Homeowner Rehab and Repair Programs

Homeowner Rehabilitation Program

The Homeowner Rehabilitation Program helps homeowners finance the cost of major repairs to homes. The goal of the program is to address issues in the home that present a threat to the life, safety, or health of the occupants.

Who is eligible for this program?

To qualify, you must:

• Currently own and occupy the home to be rehabilitated
• Continue to occupy the home as your primary residence after the work is complete
• Have owned the home for at least five years
• Be 62 years or older OR have a disability
• Have a household income that does not exceed the income limits below

What properties are eligible? 

To qualify, the property must:

• Be located within the City limits of Raleigh
• Be a single-family detached home, townhome, or condominium unit
• Have three or more severely deteriorated systems such as roof, HVAC, electrical, plumbing, or structural (if the homeowner qualifies for the program, a rehabilitation specialist will come out to inspect the property to determine if it meets this requirement)
• Have a property value of $371,000 or less (effective July 1, 2023)

How much money can I get?

The maximum loan amount is typically $90,000. Loans are deferred payment with 0% interest, and are forgiven after five years unless the borrower defaults.*

*Default occurs if the property is sold or transferred, or if the borrower ceases to reside at the home prior to end of the loan term. In the event of default, the outstanding balance will be due and payable to the City.

How do I apply?

The application cycle closed on November 3. 

How to use the online portal (see the user guide for more detailed instructions):

1. Visit the City of Raleigh Participant Portal (link only available when the application period is open).
2. Register your email to create an account.
3. Click on Start Application for the Substantial Rehab (Homeowner) Program and follow the steps in the portal to submit your application.

If you prefer to use a paper application, it can be downloaded below:

You can pick up an application packet at Chavis Community Center, 505 Martin Luther King Jr Blvd. or Housing & Neighborhoods Office, 421 Fayetteville St, Suite 1200. 

Drop off or mail your application to Housing & Neighborhoods, 421 Fayetteville St, Suite 1200, Raleigh, NC 27601.

For questions, please contact the Housing and Neighborhoods Department at 919-996-4330 or email [email protected].

Limited Repair Program

**The Limited Repair Program is not currently accepting applications. Applications will reopen in early 2024.**

The Limited Repair Program is for repairs to one or more faulty systems such as roof, heating and cooling systems, electrical, plumbing or structural problems. These systems, left untended are a threat to the life, safety or health of the occupants. 

Who is eligible for this program?

To qualify, you must:

• Currently own and occupy the home to be rehabilitated
• Continue to occupy the home as your primary residence after the work is complete
• Have owned the home for at least five years
• Have a household income that does not exceed the income limits below

What properties are eligible? 

To qualify, the property must:

• Be located within the City limits of Raleigh
• Be a single-family detached home, townhome, or condominium unit
• Have at least one severely deteriorated systems (such as roof, HVAC, electrical, plumbing, or structural)
• Have a property value of $371,000 or less (effective July 1, 2023)

How much money can I get?

The maximum loan amount is typically $15,000. Loans are deferred payment with 0% interest loan, and are forgiven after five years unless the borrower defaults.*

*Default occurs if the property is sold or transferred, or if the borrower ceases to reside at the home prior to end of the loan term. In the event of default, the outstanding balance will be due and payable to the City.

How do I apply?

**The Limited Repair Program is not currently accepting applications. Applications will reopen in early 2024.**

Raleigh Home Revitalization Program

The Raleigh Home Revitalization Program is for necessary repairs and maintenance to extend the life of homeowner-occupied homes, help seniors age in place, install accessibility measures to help persons with disabilities, and improve the quality of life for residents in targeted geographic areas. 

Who is eligible for this program?

To qualify, you must:

• Currently own and occupy the home to be rehabilitated
• Continue to occupy the home as your primary residence after the work is complete
• Have owned the home for at least ten years
• Have a household income that does not exceed the income limits below

What properties are eligible? 

To qualify, the property must:

• Be located within the targeted geographic areas in the City of Raleigh
• Be a single-family detached home, townhome, or condominium unit
• Have a property value of $450,000 or less

How much money can I get?

The maximum loan amount is typically $30,000. Loans are deferred payment with 0% interest loan, and are forgiven after five years unless the borrower defaults.*

*Default occurs if the property is sold or transferred, or if the borrower ceases to reside at the home prior to end of the loan term. In the event of default, the outstanding balance will be due and payable to the City.

How do I apply?

Rebuilding Together of the Triangle serves as administrator of the program. To apply, please contact Kelly Zargo at 919-341-5980 or [email protected] or complete an application and drop it off or mail it to Rebuilding Together (2201 Brentwood Rd, Suite 109, Raleigh, NC 27604).