Phoenix Home Repair Grants: The Owner Occupied Housing Rehabilitation Program (2026)

How a 0% forgivable loan actually works

Despite the word "loan" in its structure, this program functions much like a grant for most homeowners who qualify and stay put: it's interest-free, requires no monthly payments, and the debt is forgiven as long as you continue to own and occupy the home, keep insurance current, and stay in compliance with local codes. The city's Neighborhood Services Department sets the actual scope of repairs case by case, based on an inspection — there's no published fixed dollar cap.

Eligibility and how to apply

• Ownership: must have owned and lived in the home within Phoenix city limits for at least 12 months before applying.
• Income: must meet HUD income guidelines — the city's published table shows, for example, roughly $89,900 for a 4-person household (figures vary by household size).
• Documentation: you'll need to document lawful presence/citizenship status as part of the application.
• Terms: 0%-interest forgivable deferred loan — you may in some cases still be required to repay if the terms aren't met, so read the agreement in full.
• Apply: through the City of Phoenix Neighborhood Services Department — see phoenix.gov for the current application.

Pro tip from our network contractors

Because the scope of repairs is set by a city inspection rather than a fixed dollar menu, be specific and thorough when you describe your home's problems in the application — a vague description can undersell how much work actually needs doing.

Just outside Phoenix city limits?

Maricopa County runs its own separate Emergency Home Repair Program, with a $25,000 lifetime cap, for homeowners outside Phoenix's own boundaries — see our Maricopa County home repair grants guide, and Arizona's statewide options in our government home repair grants by state guide.