NC Housing Trust Fund - Owner-Occupied Rehab

North Carolina Housing Finance Agency

Available Home Repair

About This Program

State-funded forgivable loan program for substantial home rehabilitation for low-income homeowners. Loans are forgiven after 15 years of continued owner-occupancy. Administered through local community development organizations.

Forgivable loan amount based on scope of needed repairs

Key Details

  • Forgivable loan up to $45,000 for major repairs
  • Income at or below 80% AMI required
  • Must be owner-occupied in North Carolina
  • Forgiven after 15 years of compliance
  • Covers structural, systems, and safety repairs

How to Apply

Deadline: Applications accepted year-round through local administrators

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