Harris County Owner-Occupied Rehabilitation Loan

Harris County Community Services Department

Available Home Repair

About This Program

Forgivable loan for major home rehabilitation in Harris County for households at or below 80% AMI. Loan is forgiven after 10 years of continued owner-occupancy and property tax/insurance compliance.

Forgivable loan, no repayment required if you remain in home 10 years

Data last verified 2026-06-09. How we verify our data.

Key Details

  • Forgivable loan up to $35,000 for major repairs
  • Income at or below 80% AMI required
  • Must be owner-occupied in Harris County
  • Forgiven after 10 years of compliance
  • Covers foundation, roofing, systems, structural work

How to Apply

A grant-savvy contractor in Cypress, TX can handle the paperwork, inspections, and timelines so your funding releases on schedule. Getting matched is free.

You will likely need a contractor to apply

Projects like this almost always need a licensed contractor, and many grants ask for a written estimate as part of your application. Lining up a contractor in Cypress early keeps your application moving.

Get matched with a contractor

Each program sets its own contractor rules. Check the official program page for exact requirements.

Deadline: Applications accepted on rolling basis

Questions about this program?

Ask us. It is free, and a real person answers within a business day.

Email us about this program

Need a Contractor for This Grant?

Grant-approved contractors understand the documentation, inspections, and timelines, so your funding releases on schedule.

Find More Programs in Cypress, TX

This is just one of many grants, rebates, and free programs available. Stack them together to maximize your savings.

See All Programs