Home Repair Grants and Loans by City & County (2026)

Why the city or county level is worth checking first

Your state's program (see our government home repair grants by state guide) might have a long waitlist, a low income cap, or not exist at all — but your city or county may run its own separately, usually paid for with HUD Community Development Block Grant (CDBG) money that HUD hands to local governments every year. Because these programs are locally run, terms vary enormously: some are outright grants, some are 0%-interest deferred loans that get forgiven if you stay put, and a few are just low-interest financing.

They also open and close with local budgets far more often than state programs do — several of the best-known ones below have exhausted their funding and stopped taking new applications. We checked each city or county's own government page directly and report the real, current status rather than assuming a program is open because a news article once described it.

California

• Los Angeles — Handyworker Program. A grant up to $5,000 for homeowners 62+ or with a qualifying disability, run by the LA Housing Department. Full details in our Los Angeles home repair grants guide.
• Los Angeles County — Handyworker & Senior Grant Programs. Two separate LACDA grants — up to $9,000 (Handyworker) or $20,000 (Senior, 62+) — but limited to unincorporated parts of specific Supervisorial Districts, not the whole county. Full details in our LA County home repair grants guide.

Texas

• Houston — Home Repair Program. Currently closed: the city's own page states funding is fully exhausted and it isn't reviewing new applications; existing applicants remain on a waitlist. houstontx.gov.
• Harris County — Home Repair Program. Currently closed to general applications — the county is only accepting health-and-safety septic and well repairs right now, for homeowners 62+ or with a disability. hcd.harriscountytx.gov.
• Austin — Safety Repairs, Plumbing Repairs & Home Rehabilitation Loan. Two active grants (up to $20,000 for safety repairs, $15,000 for plumbing) plus a 0%-interest loan up to $75,000, forgivable after 15–20 years. Full details in our Austin home repair grants guide.
• Travis County — Home Repair Program. Status is genuinely unclear: the county's own page currently shows an "Expired" banner, despite a 2025 county announcement of a new pre-screening tool for the same program. Confirm directly with Travis County Health & Human Services before applying. traviscountytx.gov.
• Dallas — Home Improvement & Preservation Program (HIPP). Multiple active components: Emergency Home Rehabilitation (grant, up to $10,000), Dallas Tomorrow Fund (grant, up to $20,000, code-violation referral required), and Major-Systems Repair (forgivable loan, up to $24,000). A fourth component, Minor Home Rehabilitation, is only partially open depending on which partner nonprofit you're referred to. Full details in our Dallas home repair grants guide.

Florida

• Orlando — Housing Rehabilitation Program. Tiered assistance: up to $20,000 is a straight grant, larger amounts convert to a deferred loan forgiven over 10–15 years, for owner-occupants meeting HUD income limits. Full details in our Orlando home repair grants guide.
• Orange County, FL — Housing Rehabilitation. Active for very-low-income homeowners of 1+ year, though the county's page doesn't publish specific loan/grant terms or a maximum amount — call ahead to confirm details. orangecountyfl.net.
• Tampa — Owner-Occupied Rehab (OOR). Described only in general terms on the city's site, with no published income limit or dollar cap — a related district-specific program (HRRP) is explicitly closed pending 2026 refunding. Confirm current OOR terms directly with the city. tampa.gov.
• Hillsborough County, FL — Owner-Occupied Rehabilitation (OOR). A 0%-interest deferred loan, forgiven over 5–15 years, for households at or below 80% AMI in unincorporated Hillsborough, Plant City, or Temple Terrace — explicitly not for Tampa residents, who use the city's own program instead. Full details in our Hillsborough County home repair grants guide.

Georgia

• Atlanta — Atlanta Heritage. Currently closed to new applicants — the city's own materials describe it as working through an existing 2023 waitlist rather than accepting new applications. A separate, geographically limited Westside Heritage program covers only the Vine City / English Avenue / Castleberry Hill area. investatlanta.com.
• Fulton County — Home Rehabilitation Program. A grant up to $25,000 (with deferred loans available for larger jobs), delivered in partnership with Meals On Wheels Atlanta, covering the City of Atlanta and unincorporated Fulton County alike. Full details in our Fulton County home repair grants guide.

Pennsylvania

• Philadelphia — Basic Systems Repair Program (BSRP). A genuine grant (free repairs, no repayment) for dangerous electrical, plumbing, structural roof, and code-violation issues, for owner-occupants within published income limits. Full details in our Philadelphia home repair grants guide.
• Pittsburgh — Homeowner Assistance Program (HAP). Currently closed — the Urban Redevelopment Authority's own page states applications closed in March 2025 with no newer round announced. When it reopens, it's a grant up to $35,000 for households at or below 80% AMI. ura.org.
• Allegheny County — Home Improvement Loan Program (AHILP). An active low-interest loan (0% for emergency repairs, 1% for general improvements), covering the county excluding the City of Pittsburgh and a handful of other municipalities with their own programs. Full details in our Allegheny County home repair loans guide.

Illinois

• Chicago — Home Repair Program (HRP). Currently closed for 2026 — the city's own page states registration will not reopen this year due to demand; only 2024/2025 registrants remain on the waitlist for roof, porch, and accessibility repairs. chicago.gov.
• Cook County — no standing direct-to-homeowner program. The county's CDBG funds pass through to suburban municipalities and nonprofits rather than a countywide homeowner program; a one-time veteran-specific repair grant closed in 2023 and hasn't been renewed. cookcountyil.gov.

Arizona

• Phoenix — Owner Occupied Housing Rehabilitation Program. A 0%-interest forgivable deferred loan for homeowners of 12+ months who meet HUD income guidelines, with the repair scope set case-by-case. Full details in our Phoenix home repair grants guide.
• Maricopa County — Emergency Home Repair Program. A grant with a $25,000 lifetime cap, prioritizing households with a member 62+, a person with a disability, a young child, or a non-functioning HVAC system, for households at or below 80% AMI. Full details in our Maricopa County home repair grants guide.

Wisconsin

• Milwaukee — STRONG Homes Loan Program. A partially forgivable loan up to $25,000 — 0% interest under 60% AMI, 3% up to 150% AMI — with 25% of principal forgiven after 10 years of continued ownership. Full details in our Milwaukee home repair loans guide.
• Madison — Single-Family Home Rehabilitation. Run on the city's behalf by Project Home, Inc. for income-eligible homeowners, though the city's own page doesn't publish a specific income threshold or fixed loan terms — call Project Home directly to confirm current terms. cityofmadison.com.
• Dane County — Minor & Major Home Repair (CDBG). Covers Dane County residents outside Madison (which has its own city program), also delivered through Project Home — the county's fact sheets for these categories aren't published yet, so confirm terms directly. cdbg.danecounty.gov.
• Green Bay — Home Improvement Loan Program. A zero-interest, deferred-payment loan sized to your available home equity, for owner-occupants of 5+ years, run through NeighborWorks Green Bay. Full details in our Green Bay home repair loans guide.

Ohio

• Cleveland — Repair-A-Home & Senior Homeowner Assistance Program (SHAP). Both individually describe rolling applications, but the city's universal intake process is temporarily paused to clear a backlog — call 311 for current status before assuming either is open. clevelandohio.gov.
• Cuyahoga County — Home Repair Program. Administered by CHN Housing Capital on the county's behalf; the county's own page doesn't publish eligibility or loan terms directly — contact CHN Housing Capital (855-764-LOAN) to confirm. cuyahogacounty.gov.

Utah, Oklahoma, Massachusetts, Rhode Island, Connecticut, Minnesota

• Salt Lake City, UT — Home Repairs & Minor Repairs Programs. Active: up to $50,000 (major repairs) or $1,500 (minor repairs, seniors/disabled priority), for owner-occupants at or below 80% AMI. Full details in our Salt Lake City home repair grants guide.
• Oklahoma City, OK — Home Exterior Maintenance & Emergency Home Repair. Two active grant programs, each capped at $24,000 per house, for owner-occupants at or below 80% AMI. Full details in our Oklahoma City home repair grants guide.
• Springfield, MA — Homeowner Emergency Repair Program. A 0%-interest deferred loan, forgiven 20% per year over 5 years, for health/safety or structural emergencies, at or below 80% AMI. A separate ARPA-funded exterior-repair program has closed. Full details in our Springfield home repair grants guide.
• Providence, RI — CDBG Home Repair Program. A 0%-interest deferred loan, but currently has a waitlist for non-emergency repairs due to high demand. A separate mayoral initiative announced in 2025 may add capacity — confirm current status with the Department of Housing & Human Services. providenceri.gov.
• Hartford, CT — Housing Preservation Loan Fund (HPLF). Deferred 0%-interest loans up to $10,000 for households under 50% AMI, or low-interest amortizing loans up to $25,000+ for higher incomes. Full details in our Hartford home repair loans guide.
• Minneapolis, MN — Home Improvement Financing. An interest-rate subsidy that can write a Minnesota Housing repair loan down to 0%, plus a separate 0%-interest deferred loan up to $25,000. Full details in our Minneapolis home repair financing guide.
• Hennepin County, MN — Home Repair and Maintenance Loans. A forgivable deferred loan up to $30,000 (forgiven after 15 years), for the parts of Hennepin County outside Minneapolis — expect a waitlist for non-emergency repairs. Full details in our Hennepin County home repair grants guide.

Pro tip from our network contractors

If your city or county isn't on this list, don't assume there's nothing — search "[your city] home repair program" or "[your county] owner-occupied rehabilitation" directly on your local government's .gov site, and check our companion state-by-state guide for what's available above the local level.

Not in one of these metros?

This list covers the markets we've verified so far — it isn't every city or county in the country. Start with your state's program in our government home repair grants by state guide, then call your city or county's housing or community development department directly and ask about CDBG-funded repair assistance. The Eldercare Locator (1-800-677-1116) and NCOA's BenefitsCheckUp are also worth five minutes if you're 60+ or have a disability — both can surface local programs that don't show up in a plain search.