NC Housing Trust Fund - Owner-Occupied Rehabilitation

North Carolina Housing Finance Agency

Available Home Repair

About This Program

Provides forgivable loans to low-income homeowners for substantial rehabilitation of owner-occupied homes. Administered locally through Cabarrus County or City of Kannapolis. Loan forgiven after 15 years of continued occupancy.

Forgivable loan amount based on scope of repairs needed

Key Details

  • Forgivable loan up to $45,000 for major repairs
  • Income at or below 80% AMI required
  • Must be owner-occupied primary residence
  • Loan forgiven after 15 years of occupancy
  • Apply through local administrator

How to Apply

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

Deadline: Applications accepted through local administrator

Need a Contractor for This Grant?

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

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