Wake County Major Home Repair Program

About This Program

Wake County's Major Repair Program is a pilot initiative offering deferred 0% interest loans up to $90,000 to low-income homeowners in Wake County outside city limits. Loans are forgiven over a 10-year period; homeowners who sell or move out must repay remaining balance. Covered repairs include roofing, HVAC, water heaters, septic systems, plumbing, foundation, flooring, and accessibility modifications. Cosmetic upgrades are excluded.

Estimate for comprehensive rehabilitation including roof, HVAC, and plumbing repairs

Key Details

• Up to $90,000 for major health, safety, and structural repairs
• Income below 50% AMI; own home 10+ years
• Must be in Wake County – not within City of Raleigh
• Home's tax value must be below Wake County median
• Email housing.rehab@wake.gov to apply; first-come, first-served

How to Apply

Deadline: Rolling – email housing.rehab@wake.gov with name, phone, address, and preferred contact time