NC Housing Finance Agency Home Repair Program

North Carolina Housing Finance Agency

Available Home Repair

About This Program

State-funded home repair assistance for owner-occupied homes needing major repairs. Loans are deferred and forgivable after 15 years of continued occupancy. Income limits vary by household size and county median income.

Forgivable loan amount based on repair needs and income qualification

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

Key Details

  • Forgivable loan up to $50,000 for major repairs
  • Must be owner-occupied for 15 years for full forgiveness
  • Income limits at or below 80% area median income
  • Covers structural, mechanical, and safety repairs
  • No monthly payments during forgiveness period

How to Apply

A grant-savvy contractor in Mount Airy, NC 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 Mount Airy 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: Contact local administrator for current availability

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.

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