Free Home Repair Programs in Philadelphia for Low Income

Free Home Repair Programs- If you belong to the low-income category and need to repair your home then it’s may a huge financial burden for you. Luckily, there are Free Home Repair Programs in Philadelphia for low-income families that help with free home repairs, including free home improvement grants. There is also a home repair assistance program for senior citizens, the disabled, and retirees peoples with limited income.

Low-income homeowners and seniors can apply for several free emergency home repairs programs and grants from the federal, state government, community action agencies, charities like catholic charities, and other nonprofits that are mentioned below.

Remember that each free home repair programs in Philadelphia for low income program may have a different name and different requirements in each state. But the ultimate goal of each program is to help with home repair or modification. These free home repair grants may also provide window replacement, plumbing assistance, door replacement or repair, free roof replacement programs and free home repair for the disabled or senior citizens.

Sometimes the federal government offers free home repair assistance for senior citizens, the disabled, or the handicapped in form of grants. State and local governments also provide grants to the low-income to help pay for the home repair programs.

Various agencies, nonprofits, and charitable organizations may provide valuable information about where you can get free home repair programs and funds to repair a home, fix a damaged roof, replace doors and windows.

6 Low-Cost or Free Home Repair Programs in Philadelphia

If you need help now, here are some Philadelphia programs that can help you cover the cost:

1. Senior Housing Assistance Repair Program

Created for seniors ages 60 and older, the Philadelphia Corporation for Aging offers free services to people below the 200 percent federal poverty level.

That’s an income of up to $29,160 for a single household and $60,000 for a family of four. If you are not in this income group, there is still the possibility of receiving assistance in the form of cost-sharing.

In addition to repairs, seniors can get smoke and carbon monoxide alarms, handrails, intercoms, grab bars, bathtub benches, and handheld shower facilities. Call the helpline at 215-765-9040 or apply at pcacares.org

2. Restore, Repair, and Renew

This PHDC loan is intended to help Philadelphia homeowners pay for repairs at a low interest rate. Loans can range between $2,500 and $50,000, with a fixed annual interest of 3%, which is expected to be paid within 10 years.

As part of the program, people will receive help with financial counseling, applying for a loan, and finding a contractor.

Clarifi, a nonprofit organization, conducts the eligibility screening process, call 215-866-5200 or email [email protected]

3. Heater hotline

If your gas, electric, oil or coal heating system breaks down during the winter, the Energy Coordinating Agency can repair it for free. During the spring and summer, they provide preventive maintenance and heater cleaning at no cost.

As long as you qualify, just call 215-568-7190 any day, any time, during the winter. In spring and summer, call Monday through Sunday, between 7 a.m. and 7 p.m. m. and 5 p.m.

4. Adaptive Modifications Program

Technically, this program does not perform home repairs. But if you have a permanent physical disability, it can help you adapt your home for free.

Any person with a physical disability who is the owner or has permission from the owner to modify the property. The house must be in good structural condition and you or the owner must be up to date with property taxes. Additionally, the income guidelines and application process are the same as the Basic System Repair Program.

5. Habitat for Humanity Philadelphia

Habitat for Humanity Philadelphia works with low-income, owner-occupied housing to provide free or highly subsidized repairs that improve quality of life, keep homes warm, safe and dry, and allow homeowners to “age in place.” Anyone can register on the Habitat website or by leaving a message at 215-765-6000 x18 or [email protected].

6. Rebuilding Together Philadelphia

The nonprofit Rebuilding Together Philadelphia runs three home repair programs. Their asthma trigger reduction program and Intermediate Neighborhood Initiative are no longer accepting applications unless they contact you directly.

But they continue to carry out repairs in blocks where between 10 and 15 homes need critical repairs. Neighbors can get together and apply.

Roof, plumbing, electrical, floor, wall, and ceiling repairs, as well as HVAC and energy efficiency upgrades.

Philadelphia Home Repair Programs

NKCDC staff can help you find affordable home repairs based on your repair needs and income. These are some of the local programs we direct people to.

The City of Philadelphia runs several repair programs:

• The Basic Systems Repair Program offers free repairs to correct electrical, plumbing, heating, structural and roofing emergencies in eligible owner-occupied homes in Philadelphia.
• The Weatherization Assistance Program provides free weatherization and energy efficiency upgrades to owner-occupied homes and tenant-occupied rental units located in Philadelphia. Eligibility requirements apply.
• The Adaptive Modifications Program is designed to help people with permanent physical disabilities live more independently in their homes. Provides free adaptations to a house or apartment, allowing greater access and mobility within the home.
• The Senior Housing Assistance Repair Program (SHARP) is a minor home repair program provided by the Philadelphia Corporation for Aging for Philadelphia homeowners aged 60 and older.

Free Home Repairs for Senior Citizens

Senior citizens with a low income or with disabilities can be eligible to get free home repairs programs for disabled and senior citizens. Through these programs, Seniors can repair or modify their homes and make them comfortable and safe. These free home remodeling for low income programs also offer free window replacements for seniors.

Seniors can apply for any elderly home repair programs from federal or state government agencies. But there are several charities, community groups, and non-profits agencies near you to help with home repair programs for seniors.

These free home repair programs for seniors will pay for multiple repairs and modifications to be done. Some of these repairs include:

• Roof Repairs
• Window replacement or repair
• Electrical repairs
• help to pay for repairs to septic tanks
• Furnace replacement and more

Low-income senior citizens can also apply for home repair programs offered by Area Agencies on Aging. Established in 1965, these agencies offer community-based services. They also offer free roof repair for seniors or window repairs or replacements and other necessary home repair services.

Seniors who need to repair their homes can contact any of these agencies to get free grant money for home repairs. Seniors can also get home repair benefits from local catholic charities. Senior citizens can contact their local offices and get needed home repair services.

Medicare and Medicaid programs help you with much-needed medical equipment like grab bars, bathrooms transfer benches, toilet frames, and other safety equipment. You can visit the Social Security Administration website or your nearest SSA office to know if you are eligible for this program. Find more details on free home repairs for senior citizens.

Free Home Repair for the Disabled

Maximum homes don’t have any features for people with disabilities. After buying any home you have to make the required modifications yourself. Luckily in this journey, you can now access several home repairs programs for the disabled that can help with these all costly expenses and make your home more accessible.

Home repairs grants can include making wheelchair-accessible houses, installing lifts or ramps, and other smart technologies for disabled individuals.

The U.S Department of VA provides several home repairs grants for veterans with disabilities. Grants like the VA Specially Adapted Housing Grant (SAH) and Special Housing Adaptation Grant (SHA) help veterans with service-related injuries and disabilities.

Through SAH and SHA grants disabled veterans can buy, change or remodel their permanent homes. Veterans who qualify for the SAH and SHA grants can get up to $101,754 and $20,387.

The US Department of Agriculture (USDA) provides rural housing repair grant programs to help low-income, seniors, and disabled individuals. Disabled individuals can get grant amounts of $7,500 and loan amounts of $20,000 to repair and remodel their homes.

Along with these federal grants, there are also several nonprofit organizations, churches, and charities that help with reduced cost home repair equipment and home repair costs.

Nonprofits like ModestNeeds offer a Self-Sufficiency Grant that provides short-term financial assistance for disabled homeowners to repair their homes. You have to meet some income and employment requirements to be eligible for the program. Find out more disability grants for individuals.

Charities that help with Home Repairs

Several national, private, and local organizations provide free home repairs to low-income families, seniors, and the disabled. Below we mentioned some charities and nonprofit agencies that help senior homeowners and low-income families repair their homes to make them safe and accessible.

National organizations like Rebuilding Together, Agency on Aging, and Habitat for Humanity help with free home repair grants for senior citizens. They have their affiliate partners in all local communities and serve people across the country. Contact your local outlet of rebuilding together or habitat for humanity for a repair program.

Free volunteer repair programs like Medicaid Home Care and Community Based Assistance services offer funds for home repair. These programs help disabled, elderly, and vulnerable individuals with home modification equipment like hospital beds, walkers, wheelchair ramps, toilet safety frames, and more.

Find churches that help with home repairs.

Information about Free Home Repair Grants

If you need free grants for home repairs, then you should contact the USDA rural development, Department of Housing and Urban Development (HUD), and Department of Veteran Affairs. You can also check out free home repairs grants online at federal grants websites like Grants.gov, Benefits.gov, and USA.gov.

You can also contact your local community action agencies, nonprofits, charities, and housing agencies where you find all the required information about free home repair grants. To qualify for any home repair grant you have to provide proof of your unemployment, income, homeownership, and more. If you are eligible for the grant program then local agencies will come to your home to do the required repair work.

Are there any Federal Grants for Home Repairs

Low and moderate-income families now can apply for a community development block grant program. Visit your local or state Housing and Urban Development office to find free home repair programs in philadelphia.

Low or moderate-income families and seniors who lived in rural or city areas can repair their homes through this program. USDA Rural Development offices also provide home repair grants to smaller communities.

The Section 504 Home Repair Program is a federally funded loan program funded and operated by the U.S Department of Agriculture (USDA). Senior citizens, disabled individuals who lived in rural areas and whose income is below 50% of area medical income can get financial assistance to repair or modify their homes.

These funds can be utilized to help modernize, modify and repair homes like repair septic systems, fix important fixtures, repair or replace windows and doors, and other needed repairs. To be eligible for this program, you must:

• Own the house
• Be a U.S citizen or a legal permanent resident
• Live in a rural area
• At least 18 years old or more
• Household’s income below 50% of the area’s median income

Free Roof Replacement Programs

Low-income people who can’t afford their roof repair costs can easily apply for roof replacement grant programs. Families and individuals with limited income can be eligible for free roof repair for seniors and low income families.

Senior citizens are the ones who face these challenges and due to huge outstanding and limited funds, they can’t repair their roofs. So that the federal government provides different assistance programs for senior citizens to repair their roofs.

There are also a number of government and nonprofit organizations programs are there that offer free roof repair for senior people.

There are different community-level programs that help seniors to repair their roof. The United States Department of Aging is always there to provide important information and assistance to senior citizens.

Seniors can get grants and other financial assistance programs for window repair or replacement, roof repair, and other much-needed home repairs. Contact the department of aging to know more about free improvement programs.

The United States Department of Administers weatherization assistance program. This program mainly focuses on energy-saving assistance. The weatherization assistance program also provides home repairing and improvement grants for low-income families, seniors, and the disabled.

Each year funds distribute to all state and local governments so that low-income families can get their much-needed home repair grants.

What is Home Loan Rehabilitation Programs

Home Loan Rehabilitation Programs provide funds to the eligible homeowner to help with home repair, reconstruction, and rehabilitation of their homes. Loans Rehabilitation Programs don’t like grants, it provides low-interest or no-interest loans to help repair single-family homes.

The goal of this program is to help low-income homeowners who can’t afford the cost of home repair. Eligible owners can use these funds to repair the roof and floor, fix the electricity or water problems, repair or replace the door or windows, makes the home energy efficient, and other needed services.

Rehabilitation Loan programs are funded by different sources including HOME Investment Partnership Program, Community Development Block Grant, and local housing authorities. Then assistance is paid directly to the contractor for emergency home repair programs. They have different repayment options that you can choose.

There are also various lending programs offered by the federal government, like FHA’s 203(k) Rehabilitation Mortgage Insurance programs and HUD’s Title I Property Improvement Loan program.

The U.S Department of Agriculture also offers a Section 504 Home Repair program that provides very low-interest loans to low-income homeowners who want to repair their homes. Contact your local agencies to know more about these programs.

Apply for Free Home Repairs Near You

If you want to apply for a home repair program near you then the first place you should contact is your local community action agencies. They always have a wide range of resources where you can find any grant or loan programs that may help with repairing your home. Both federal and state free home repair grants to low-income families are locally operated by the community action agencies.

Senior citizens, disabled and low-income families can also apply for the Home Loan Rehabilitation programs to make their homes safe and comfortable. From these programs, you will receive funds with very low or no interest that can help to repair or modify single-family homes.

You can also contact your local volunteers from the community who may help you find free home repairs and others needed modifications. Seniors and disabled individuals with very low income may eligible for these programs. They can also look for other nonprofits like Churches, catholic charities, habitat for humanity, rebuilding together, and others.

Frequently Asked Questions

Conclusion

So these are some best options for you if you want to repair your home. As you see, these all free home repair programs are for low-income, seniors, and disabled individuals. If you don’t qualify for any of these programs then don’t lose hope.

You can also save some money each month to complete your needed home repair. Contact your local contractor to get help, they can address many free renovation programs that can help you.