City of Charlotte Owner-Occupied Housing Rehabilitation

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

Deadline: Rolling — contact for current cycle