City of Charlotte Owner-Occupied Housing Rehabilitation

City of Charlotte, Housing & Neighborhood Services

Active Home Repair

About This Program

The City of Charlotte provides deferred forgivable loans to low- and moderate-income homeowners for essential repairs and rehabilitation. Funded through the federal CDBG entitlement, the program targets health, safety, and structural deficiencies in owner-occupied homes within city limits. Income must be at or below 60% of area median income.

Estimate assumes average award for qualifying structural/safety repairs.

Key Details

  • Deferred, forgivable loan, no monthly payments required
  • Income limit: 60% of Charlotte-Concord-Gastonia AMI
  • Must be owner-occupied primary residence within Charlotte city limits
  • Covers structural, safety, plumbing, electrical, HVAC, and accessibility repairs
  • Funded via HUD CDBG entitlement allocation

How to Apply

Visit Official Program Page Track this program

704-336-2754

Deadline: Rolling, contact for current cycle

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