By admin1
Single Family Housing Repair Loans and Grants Program by the USDA
The USDA administers a slew of programs intended to keep residents healthy and happy in their homes so that communities remain strong. Through their Single Family Housing Repair Loans and Grants Program (sometimes called the Section 504 Home Repair Program), Texas homeowners in rural areas can apply for a loan, a grant, or both to maintain and modernize their home, and keep their home safe.
Seniors may apply for 20-year loans of up to $40,000 at a fixed interest rate of 1% to make necessary repairs or revamp their homes. Also, a grant of up to $10,000 may be given to elderly Texas homeowners to remove health and safety hazards.
Qualifications to apply for either option include being a homeowner and occupying the house full-time, being unable to find affordable credit anywhere else, and having a household income that is below the specified limit in your county. Use this map to find the limit for your county.
To apply for the grant, homeowners must also be 62 or older and unable to pay for the repairs needed on their own.
Texas Department of Housing and Community Affairs
Texas residents have access to multiple home repair resources through the Texas Department of Housing and Community Affairs (TDHCA). Residents can visit the website to search for programs available by city or county.
The Texas Department of Housing and Community Affairs (TDHCA) administers several home repair programs, including the HOME Investment Partnerships Program. One of its key initiatives is the Homeowner Reconstruction Assistance (HRA) program, which helps families rebuild or replace homes that are unsafe, damaged, or no longer livable.
Whether it’s repairing a house, building a new one, or relocating a home out of a flood zone, HRA works to ensure homeowners have a safe and stable place to live. To qualify for the HRA program, your household income needs to be at or below 80% of the Area Median Family Income (AMFI).
Habitat for Humanity Texas
Habitat for Humanity offers a variety of home construction and repair programs, partnering with local organizations to provide affordable housing in low-income communities. There are multiple Habitat for Humanity affiliates throughout the state of Texas. You can find your local branch on the website.
One of Habitat’s goals is to help residents age in place. Its Aging in Place program provides home repair assistance specifically to senior citizens. It combines a health or human services professional’s assessment with applicable home repairs, ensuring aging individuals can live safely and comfortably in their homes.
Meanwhile, Habitat for Humanity ReStores sells used and surplus building materials at a discount. If you need to DIY a repair, buying the supplies for less can help you stay on budget and avoid overspending.
Texas senior citizens can contact their local Habitat for Humanity branch to find out which programs may be available to them.
