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NC Urgent Repair Program (NCHFA / URP)

NC Housing Finance Agency (NCHFA)

Active – administered through local partner organizations State Housing Agency

About This Program

The NC Urgent Repair Program (URP) provides deferred forgivable loans up to $15,000 per household for emergency health and safety repairs to owner-occupied homes. Administered by NCHFA through local nonprofits, the program targets very low-income households (at or below 50% AMI) and focuses on imminent hazards such as roof failures, HVAC outages, and structural deficiencies. Loans are forgiven at $5,000 per year.

Estimate based on maximum URP award for emergency roof and HVAC repair

Key Details

  • Up to $15,000 for urgent health and safety home repairs
  • Income at or below 50% AMI required
  • Loan forgiven at $5,000 per year of continued occupancy
  • Covers roof, HVAC, electrical, plumbing emergencies
  • Contact NCHFA or local administrator for intake

How to Apply

Visit Official Program Page

919-877-5700

Deadline: Rolling – contact local NCHFA-partnered administrator

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