Federal and State Programs
USDA Single Family Housing Repair Loans & Grants
One of the primary sources of roofing assistance is the USDA's Single Family Housing Repair Loans & Grants program. The program provides loans up to $40,000 and grants up to $10,000 (or $15,000 in disaster areas) to low-income homeowners to repair or replace roofs. Homeowners aged 62 and above can apply for grants, while loans are available to those who cannot secure affordable credit elsewhere.
HUD Title 1 Property Improvement Loan Program
Another valuable resource for homeowners seeking roof repairs is the HUD Title 1 Property Improvement Loan Program. It allows homeowners to borrow money for home improvements, including roof repairs. The program is accessible even to those who don’t have sufficient equity in their home, making it a good option for those struggling to secure other forms of financing.
State-Specific Emergency Repair Programs
Many states offer additional assistance through emergency home repair programs. For example, Delaware’s Statewide Emergency Repair Program (SERP) provides funding for roof repairs or replacements for homeowners facing safety or health hazards. Each state may have similar programs designed to meet the needs of its residents, so it's worth checking with your local housing authority.
Local and Regional Assistance
In addition to federal and state programs, many local governments and nonprofits offer home repair grants for roof replacement. For example:
New Castle County, DE – Home Repair Programs
New Castle County provides a $5,000 grant and $7,500 no-interest deferred loan for seniors and low-income homeowners to address home repairs, including roofing.
New Castle County Repair Programs
City of Long Beach, CA – Home Improvement Roof Grant Program
Long Beach offers grants to eligible homeowners for critical repairs, including roofing.
Additional Resources
Smart Home America
Smart Home America provides information on various roofing grants, including those from the USDA and state-specific programs.
Smart Home America Roofing Grants
Investopedia – Zero-Interest Home Renovation Loans
This article explains zero-interest home renovation loans offered by local governments and nonprofit organizations to help homeowners with roof repairs.
