Help is available to repair and rebuild homes of low- and moderate-income homeowners in the City of Houston. The Single-Family Home Repair Program evaluates damaged homes and helps make repairs needed to protect a homeowner’s life, health, and safety. The program gives consideration to seniors over the age of 62, families with children under the age of 18, and people with disabilities. In cases where homes are severely damaged, the program will reconstruct brand-new homes for homeowners.
Currently the Home Repair Program has exhausted all of its funding and is not reviewing additional applicant files at this time. According to the HRP guidelines, when all funding is exhausted, those who are awaiting assistance must be notified of Home Repair Program closure. Unserved applicants will remain on the existing Home Repair Program list. Applicants will be notified once program funding becomes available.
Overview of Options
At this time, the City has three options for home repairs:
- Harvey Homeowner Assistance Program
- Home Repair Program
- Home Repair Program for 2015 Flooding Events
While these programs have similar offerings, eligibility requirements and waiting times may differ.
The City’s inspectors will determine how much needs to be repaired and estimate the costs for repairs. The total cost for repair will determine the length of the affordability period, which is how long a homeowner is required to stay in their home after repairs are made. If a homeowner sells or leases out their home before the end of the affordability period, they will be asked to repay a portion of the cost of the repairs made.
|Level of Assistance||Cost of Repairs||Affordability Period|
|Minor rehabilitations||less than $20,000||None|
|Moderate rehabilitations||$20,000 to $40,000||5 years|
|Substantial rehabilitations||$40,001 to $80,000||10 years|
|Reconstruction||More than $80,000||20 years|
Minor rehabilitations are made to alleviate hazards to life, health, and safety. Minor repairs include repairs on roofing, plumbing, HVAC, electrical, siding/trim, windows, and doors.
Major rehabilitations preserve the existing home while also renovating a limited and specific area of the home. These repairs can be done on: structure, siding/trim, windows, doors, roof repairs or replacement, any substantial system such as HVAC, water, and wastewater, or anything else needed to make the house suitable for living.
Reconstructions are offered when the costs of major rehabilitations pass $80,000. The program will then demolish the existing structure and rebuild a home with new, economy-grade finishes.
If you answer YES to these questions, you are potentially eligible for home repairs:
- Do you own (have the title) to the home?
- Is the home your primary residence?
- Are your property taxes current (or on an approved payment plan) and paid to the City of Houston?
- Is your income at or below 80% of Area Median Income ?
- Is the home outside the floodway? (Check )
These basic requirements must be met for the Home Repair Program and the Home Repair Program for 2015 Flooding Events. Additional requirements may differ between programs and will be noted in the application process.
The Intake Survey is the first step for both the Home Repair Program and Home Repair Program for 2015 Flooding Events, when open. Both programs have exhausted all funding and are closed. Unserved applicants will remain on the existing Home Repair Program list. Applicants will be notified once program funding becomes available. Questions about Home Repair Program? Call 832-394-6200.
What else should I know?
Single-Family Loan Servicing
Participants in our Single-Family programs, including our Home Repair programs and our Homebuyer Assistance Program, must comply with the affordability period specified in their contracts. Some types of assistance include a loan on the property for a duration outlined in their contract.
To fulfill the terms of the contract, the homeowner must live in the home for the entire affordability period without selling, leasing, or transferring ownership of the property. At that point, a Release of Lien can be started.
In the case that the homeowner decides to break the terms of the affordability period, they will need to repay the City some or all of their loan. For questions, please call us at 832.394.6200 and ask to speak to Loan Servicing.
Forms needed to be released from the loan can be found below:
|Release of Lien Request||Form for requesting a release from the City’s loan on the property, either at the end of the affordability period or when choosing to repay the City before the end of the affordability period.||View|
|Payoff Statement Request||Form to ask for payoff statement before the end of the affordability period.||View|
|Subordination Agreement Request||Form to use when changing terms of mortgage.||View|