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low income home repairs

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low income home repairs: where to go for disabled on ssi, need home repairs badly. Is there gov't programs

where to go for disabled on ssi, need home repairs badly. Is there gov't programs for instant help? Niles, Ohio. Can't do the work myself anymore.
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Ohio Department Of Aging Resources For Home Maintenance And Repairs

Alternative Housing

A variety of living options are available for older Ohioans. Alternatives include:

  • Senior Apartments - Private apartments restricted to seniors offer residents the independence they desire while providing a more controlled community environment, freedom from the responsibility of property maintenance and amenities designed for older aduls. Optional services may be available for an additional fee, such as housekeeping, dining and transportation. Some properties offer federal rent subsidies for eligible low income seniors, and may have a waiting list.
  • Congregate and retirement housing - Residents in these apartment facilities live independently but also receive some services such as a daily meal with other tenants. Some may be rent-subsidized (Section 8 housing).
  • Residential Care and Assisted Living Facilities - Private suites or apartments offer congregate services, personal care and limited skilled care.
  • Continuing Care Retirement Communities - These communities offer multiple levels of care (e.g., independent living, assisted living, skilled nursing care). Thus, residents can remain in the community, even if their needs change.
  • Adult Care Facilities and Group Homes - These licensed facilities provide housing and limited personal services for three to 16 adults who typically need a high level of care but retain some level of independence.
  • Nursing Homes - Licensed facilities offer residents personal care and skilled nursing care 24 hours a day. They may also provide room and board, supervision, medication, therapies, rehabilitation and other services.

Related Information

Ohio's Rental Housing Locator
Find available housing options, including apartments with special features for the elderly and people with disabilities.

Housing Choices
AARP examines housing alternatives for older people and provides tips for consumers.

Ohio Long-term Care Consumer Guide
Compare licensed nursing and residential care (assisted living) facilities throughout the state.

Home Maintenance, Repair and Accessibility Modifications

Home maintenance, repair and modification services help older Ohioans preserve existing property values and make structural modifications or repairs necessary to help them live safely.

Home maintenance includes a variety of critical routine services, such as inspecting furnaces and water heaters, fixing or replacing torn window screens or broken panes, or replacing electrical fuses.

Home repairs include repair or installation of heating and air conditioning equipment; minor plumbing or electrical repair; repair or replacement of gutters, shingles, flashing or other roofing; and Repairs to eliminate holes or other hazards in flooring or stairs.

Home modification make the physical environment more functional and accessible, enabling people with disabilities to perform daily activities with greater independence. Examples include building ramps, widening doorways, installing grab bars and other assistive devices.

Funding for these services comes from a combination of public and private funding and local resources. Work is provided by licensed contractors and others. Contact your area agency on aging for more information about the services available in your community.

Related Information

Save The Dream
Ohio Governor Ted Strickland created Save the Dream Ohio to provide information on resources and assistance available to renters and homeowners facing foreclosure.

Universal Design
This public/private collaboration helps Ohioans make their home more user friendly and safe as they age.

Reverse Mortgages
The National Council on Aging explains this innovative and safe way to turn the equity in your home into cash.

Department of Commerce Consumer Affairs Hotline
The Ohio Department of Commerce protects older homeowners from predatory lenders. Call them at 1-866-278-0003.

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Home Repair Programs For Residents Of North Dakota

The programs and resources listed below help homeowners with home repairs and improvements.

Statewide Programs

 -   North Dakota Housing Finance Agency - Major Home Improvement Program (701) 328-8080 or (800) 292-8621
 -   USDA Rural Development - (701) 845-5150 or (800) 688-2293 ext. 4

Eastern North Dakota

 -   Devils Lake - Dakota Prairie Community Action Agency- serving Ramsey, Rolette, Eddy, Towner, Benson, and Cavalier counties (701) 662-6500 or (800) 321-5943
 -   Fargo - City of Fargo's Housing rehab program - (701) 241-1474
 -   Fargo - SE North Dakota Community Action Agency - serving Steele, Traill, Cass, Ransom, Sargent, and Richland counties (701) 232-2452 or (800) 726-7960
 -   Grand Forks - Red River Valley Community Action Agency - serving Nelson, Pembina, Walsh and Grand Forks counties (701) 746-5431 or (800) 450-1823
 -   Jamestown - Community Action Region VI - serving Barnes, Dickey, Foster, Griggs, McIntosh, Stuttsman, and Wells counties (701) 252-1821 or (800) 726-8179

Western North Dakota

 -   Bismarck - Planning Department - (701) 222-6446
 -   Bismarck - Community Action Program Region VIII - serving Burleigh, Emmons, Grant, Kidder, McLean, Mercer, Morton, Oliver, Sheridan and Sioux counties (701) 258-2240 or (800) 223-0364 or TDD (800) 366-6888
 -   Dickinson - Community Action and Development Program - serving Adams, Billings, Bowman, Divide, Dunn, Golden Valley, Hettinger, McKenzie, Slope, Stark and Williams counties (701) 227-0131 or (800) 359-2243
 -   Minot - Community Action Opportunities - serving Bottineau, Burke, McHenry, Mountrail, Pierce, Renville and Ward counties (701) 839-7221 or (800) 726-8645 or TDD (701) 852-3028
 -   Williston - Community Action and Development - serving Divide, McKenzie and Williams counties (701) 572-8191
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Ohio Help With Home Repairs For Low Income

The programs and resources listed below help homeowners with home repairs and improvements.

 -   Ohio Affiliates of Habitat for Humanity - through volunteer labor, builds and rehabilitates houses for families in need
 -   Veterans Affairs Regional Loan Center - loans and grants to qualifying veterans to adapt existing dwelling to meet specific needs
 -   USDA Rural Development Office - home improvement loans and grants to low-income homeowners in rural areas


 -   People Working Cooperatively
 -   Hamilton County Home Improvement Program


 -   Citywide Development Corporation
 -   County Corps

Many cities in Ohio use HUD funds to provide grants and loans that help low and moderate income homeowners maintain their homes.

Local Community Development Corporations (CDC's) also provide rehabilitation assistance. The Ohio CDC Association has a listing of members throughout Ohio

HUD provides money to the State of Ohio, which passes them on to smaller communities that may it for housing rehabilitation. Check with the Ohio Department of Development, Office of Housing and Community Partnerships to find out if these resources are available in your community.

Funds to weatherize the homes of low- and moderate-income persons are made available through State of Ohio Office of Energy Efficiency. Check the list to see where to go for your area

Other Local Resources

 -   Find your local Better Business Bureau - check out Ohio contractors before starting home repairs

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Kent, Washington Home Repair Assistance For Low Income

Home Repairs for Low/Moderate Income Homeowners

The City of Kent offers a variety of home repair services to low and moderate income owners of single-family houses, mobile homes* and condo units within the city limits of Kent.

*Mobile homes must be 1976 or newer with HUD certification, not received prior services and the occupant must be senior and/or disabled.

Repairs which help maintain the health and safety of occupants, preserve the dwelling or conserve energy to reduce heating costs through weatherization are eligible.

Preference is given to households occupied by senior citizen, low-income and disabled residents. Kent's Home Repair program is funded entirely through the federal Community Development Block Grant (CDBG) money.

 Minor Repairs are FREE! Minor repairs include plumbing, electrical, carpentry, disabled access, furnace service, storm doors, window repairs, roof repairs, smoke detectors and other smaller work items.

Major repairs include complete roof replacement, new heating systems, electrical system upgrades, and other big work items. 

Eligibility Requirements

  1. Your house, mobile home (must be 1976 or newer) or condo unit must be located within the city limits of Kent.
  2. You must have owned AND occupied your home for at least 1 year prior to application.
  3. Your household's annual gross income must not exceed federal income guidelines (see table below).
  4. In addition to income qualification, there is a maximum amount of personal assets that can be held and still be eligible for assistance.

Official HUD Income Guidelines for 2010 (effective March 14, 2010)

Maximum Annual Gross Income
1 $45,100
2 $51,550
3 $58,000
4 $64,400
5 $69,600
6 $74,750
7 $79,900
8 $85,050

For more information please see our Frequently Asked Questions.

How to Apply for Home Repair Assistance

Complete and return the Home Repair Application along with proof of ownership and income for anyone over the age of 18 residing in the household. Acceptable ownership documents include either a deed or tax bill for houses and condo's or, if living in a mobile home, a copy of the vehicle registration. For income verification include a copy(s) of the prior year or last filed income tax 1040 form. If you do not file for income taxes please complete the IRS 1040 form.

The Home Repair Assistance Application is in Portable Document Format (PDF). To print the application, you must have the free Adobe Acrobat Reader installed on your personal computer. If you do not have Acrobat Reader click on the Adobe icon to download the program.
Home Repair Assistance Application (25 KB PDF).

You may also obtain an application packet by calling 253-856-5065 or by e-mail. Please include your complete mailing address! 
Send requests to Human Services.

If you live outside of the Kent City Limits in unincorporated King County you may qualify to receive services from the King County Housing Repair Program. King County's Housing Repair.

Lifeline Program - Utility Rate Reductions

Senior citizens, low income or disabled residents may also qualify for the Lifeline Program. The City of Kent offers reduced rates to those in need.  Please call 253-856-5201 for more information.

Apply for the Home Repair Program Small Works Roster

The City of Kent encourages all Contractors to apply for the City of Kent Home Repair Program Small Works Roster. The City of Kent Home Repair Program contracts for home repair services to be provided to Kent home owners receiving Home Repair services.

Qualifications. The City of Kent seeks firms that meet the qualifications below. If you do not meet the qualifications but have substantial compliance or superior compliance in other particular areas, Kent Home Repair may still accept an application at the sole discretion of the City of Kent.

  • Hold a State of Washington contractors license insurance at the time of application and throughout enlistment on the roster;
  • Hold specified insurance at the time of application and throughout enlistment on the roster;
  • Companies have been in business three consecutive years prior to application;
  • Companies have a responsible claims history, strong safety record and strong financial history.

The City of Kent Home Repair Program uses this Roster to invite contractors to bid on projects under $10,000. The agency invites at least three contractors in rotating order to submit quotes. The lowest reasonable and responsible bidder is selected. Projects include: roofing, electrical, furnace repair and replacement, sewer work, and general contracting.

Accepted applications remain on the Roster without expiration, although Kent asks you to refresh information every two years. Kent retains the right to remove or suspend a company at any time, based on the City opinion of the company's performance and responsibility. 

Download the Small Works Roster Application (60 KB PDF).

Thank you for your interest. If you have questions, please contact Kent Home Repair, at 253-856-5065.

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Kansas Home Repair Programs


The programs and resources listed below help homeowners with home repairs and improvements.

 -   Community housing development organizations - many organizations throughout Kansas offer various home repair assistance programs
 -   Johnson County home repair programs - provides assistance for home rehabilitation for eligible residents of Johnson County
 -   Kansas Affiliates of Habitat for Humanity - through volunteer labor, builds and rehabilitates houses for families in need
 -   Veterans Affairs Regional Loan Center - loans and grants to qualifying veterans to adapt an existing dwelling to meet specific needs
 -   USDA Rural Development Office - home improvement loans and grants to low-income homeowners in rural areas
 -   Community contacts - find out if your community offers home repair assistance
 -   Make your home more energy efficient

Programs by City/Town

 -   Atchison
 -   Bonner Springs - tax rebate program for home rehabilitation and construction
 -   Hutchinson
 -   Interfaith Housing Services, Inc.
 -   Kansas City
 -   Unified Government of Wyandotte County and Kansas City, Kansas - Housing Enhancement Loan Program
 -   Lawrence - offers several home repair assistance programs
 -   Leavenworth - deferred loans for qualifying owners
 -   Olathe - offers several home repair assistance programs
 -   Overland Park - provides low-interest loans to homeowners
 -   Salina - financial assistance for basic repairs
 -   Topeka - neighborhood revitalization program with property tax rebates
 -   Wichita - Heart of Wichita program

Other Local Resources

 -   Housing counseling agencies - member organizations provide housing and income management counseling
 -   Find your local Better Business Bureau - check out contractors before starting home repairs
 -   Attorney General's Consumer Protection Division - if you have a complaint against a contractor

For more information and resources visit my blog at

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Connecticut Home Repair Resources

The programs and resources listed below help homeowners with home repairs and improvements.

 -   Connecticut Housing Investment Fund (CHIF) - home improvement and energy conservation loans
 -   Connecticut Housing Finance Authority (CHFA) - finance the purchase or the refinance of a home in need of repair
 -   2-1-1 Infoline - home improvement program information and loan referrals
 -   Hartford Community Loan Fund - home improvement loans and handicap accessibility grants
 -   Connecticut Affiliates of Habitat for Humanity - through volunteer labor, builds houses for families in need
 -   Habitat for Humanity ReStores - discounted used and surplus building materials
 -   Rebuilding Together, Inc. - assists low-income, elderly and disabled homeowners with home repairs
 -   Veterans Affairs Regional Loan Center - loans and grants to qualifying veterans to adapt an existing dwelling to meet specific needs
 -   USDA Rural Development Office - home improvement loans and grants to low-income homeowners in rural areas
 -   Department of Public Health - lead poisoning prevention program
 -   Make your home more energy efficient

Programs by City/Town

 -   Bridgeport
 -   Bristol
 -   Coventry
 -   Enfield
 -   Fairfield
 -   Granby
 -   Greenwich
 -   Groton
 -   Hamden
 -   Hartford
 -   Manchester
 -   Meriden
 -   Middletown
 -   Milford
 -   New Britain
 -   New Haven
 -   New London
 -   Newtown
 -   Putnam
 -   Stafford
 -   Stamford
 -   Stratford
 -   West Hartford
 -   Windsor

Other Local Resources

 -   Office of Consumer Protection - Home Improvement Guaranty Fund
 -   Attorney General's Office of Consumer Issues - file a complaint against a licensed contractor
 -   Find your local Better Business Bureau - check out Connecticut contractors before starting home repairs
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Michigan Emergency Services For Low Income (Home Repairs)

Emergency Services Overview

The State Emergency Relief (SER) Program provides immediate help to individuals and families facing conditions of extreme hardship or for emergencies that threaten health and safety. Through a combination of direct financial assistance and contracts with a network of non-profit organizations such as the Salvation Army and local Community Action Organizations, SER helps low-income households meet emergency needs such as:

  • Heat & Utilities
  • Home Repairs
  • Relocation Assistance
  • Home Ownership Services
  • Burial


Click Here For Website


The SER program is primarily designed to maintain low-income households who are normally able to meet their needs but occasionally need help when unexpected emergency situations arise. The SER program is not an appropriate solution to ongoing or chronic financial difficulties.


Only local DHS experts should make eligibility determinations for this program due to many variables. Ask for details when turning in a completed application.

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Lorain County, Ohio Home Repair For Low Income

Lorain County Community Action Agency (LCCAA) makes matching grant funds available for qualified individuals to pay for emergency home repairs. Depending on household income, two repair programs are available. One requires a match of 33 cents for every dollar awarded with an award cap of $3,000. The other requires a dollar for dollar match with an award cap of $1,000. An income-eligibility chart is provided below. Both programs are designed to improve safety and health conditions in homes owned and occupied by income-eligible persons.

Based on household size and income, the homeowner is required to pay a portion of the project or repairs. The amount the homeowner puts in is their required “match” to qualify for the assistance. The source of the matching funds may include:

-Homeowner’s cash
-Documented funds from other public and private programs (such as benevolence funds and various home improvement loans)

Eligible repairs may include:

  • Code Violations
  • Exterior Structural Defects – missing porch handrails, sagging porch steps, missing or broken floor boards or decking, replace gutters, broken glass, and mobile home skirting
  • Furnace – clean and tune, duct cleaning, and furnace replacement
  • Handicap Accessibility Improvements – ramps, door-widening and installation of safety bars
  • Plumbing – leaking, broken, sinks, toilets, faucets, garbage disposals, water heater replacements, and gas leaks 
  • Septic Systems - blocked, leaking or non-working septic systems 
  • Small Electrical Hazards – non-working and overheating lights, outlets, and switches 

Program Guidelines

The following guidelines are used in administering the program:

  • The property must be located in Lorain County 
  • Repair work or materials must be invoiced for payment directly to contractor or supplier 
  • Assistance is restricted to once every 24 months for each home 
  • Applicants must be owner-occupants 
  • The homeowner must be income eligible according to household size
    • Income may be calculated as the last 12 months or last 3 months--whichever works in the homeowner's favor

Interested individuals can obtain an application by clicking on the application link below or by calling (440) 204-3154. Once eligibility and funding availability is determined, LCCAA’s Director of Community Services will issue an approval with the amount of the grant awarded. Funds are not released until all work is complete. LCCAA reserves the right to inspect work to verify services have been rendered.

Emergency Home Repair Brochure:

Emergency Home Repair Brochure

Emergency Home Repair Application:

Emergency Home Repair Application

Required forms include:

  • Emergency Home Repair Matching Grant Application
  • CSBG Intake Form

Required documentation to verify eligibility includes:

  • Proof of ownership - Copy of deed or property tax receipt 
  • Proof of income - Paystubs or appropriate documentation for total household income for the last year for everyone in the household 18 years old or above 
  • Utilities - Current gas bill, Current electric bill, Current water bill
  • Proof of residency - Valid driver’s license or state identification card

 This program collaborates with the city building departments to help identified individuals make necessary repairs to their properties that they might not otherwise afford.

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Philadelphia, Pennsylvania Home Repair Programs For Low Income

The programs and resources listed below help homeowners with home repairs and improvements.

Philadelphia's Quick Guide to City Services

Philadelphia Housing Development Corporation
(215) 448-2160
PHDC offers several home repair programs for low and moderate income households.

Heater Hotline Program
(215) 568-7190
Serves low-income homeowners whose heating systems (gas, oil, coal, electric) are in need of repairs.

Philadelphia Home Improvement Loan
(215) 854-6515
Provides below market rate home improvement loans for owner-occupied properties. No equity requirements & no appraisal is necessary for loan to be approved.

Homeowners Emergency Loan Program
(215) 685-4907
HELP is an emergency, residential customer loan program for homeowners who were issued a plumbing or drainage violation from the Philadelphia Water Department.

Eighteenth Street Development Corp.
1815 S. 18th St., 19145
(215) 271-0052
Home repairs program for low and moderate income homeowners living in the Point Breeze area. They also offer home maintenance and repair workshops.

Impact Services
124 E. Indiana Ave., 19134
(215) 739-1600
Building Materials Exchange - Community Service Division provides low-to-no-cost-building materials to low income Phila. Homeowners to assist them in rehabbing & maintaining their homes.

Senior Housing Assistance Repair Program (SHARP)
(215) 765-9000
A no-cost, minor home repair program for homeowners 60 and older. Priority to those 75 years old, living alone, disabled, and low income. Property must be structurally sound.

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Washington County, Oregon Home Repair Programs For Low Income

Housing Rehabilitation Program Washington County

Office of Community Development Housing Rehabilitation Program
328 West Main, Ste. 100
Hillsboro, OR 97123

Contact person: Karen Alice Jones
Phone number: (503) 846-8897
TTY: (503) 846-4598

Program description: Low interest and deferred interest loans and grants are available to low income Washington County residents for home repairs and accessibility improvements. Home repair loans may be used to finance necessary repairs including roofing, plumbing, electrical and heating systems repair or replacement, weatherization, structural repairs, exterior painting and accessibility improvements. Homeowners are eligible for both repairs and accessibility improvements. Renters are eligible for accessibility improvements only.

Independent Living Resources, Inc.

Independent Living Resources, Inc.
2410 SE 11th
Portland, OR 97214

Contact person: Sue Westwood
Phone number: (503) 232-7411
TTY: (503) 232-8408

Program description: Provides information and referral for persons who are physically disabled, including accessible housing, and recreation. Also offers living skills and enrichment classes; peer advocacy and support; and transcription to Braille, large print, or cassette tape.

Minor Home Repairs And Adaptations 

Washington County Disability, Aging & Veteran Services (WCDAVS) Minor Home Repairs and Adaptations
180 E Main St., Suite 208
Hillsboro, OR 97123

Contact person: Amy Moreno
Phone number: (503) 846-3060

Program description: The Older Americans Act Home Repair Program (administered through WCDAVS) is designed to help clients over 60 years of age with minor modifications, home repairs and adaptations necessary to facilitate the ability of the older individual to remain at home. Repairs could include installing ramps, grab bars, furnace repairs, minor plumbing and electrical repairs, weatherization and other minor home repairs. OAA funds help senior clients who would otherwise experience a financial hardship if they had to pay for home repair services on their own.

Rebuilding Together

Washington County Rebuilding Together
12555 SW 4th Ave
Beaverton, OR 97005

Phone number: (503) 644-4544
Fax: (503) 469-0219
E-mail address:

Program description: Provides free home repairs relating to warmth, safety, and independence to qualified low-income homeowners within Washington County. Priority given to elderly and disabled homeowners, or families with dependent children.


ReFit (formerly Remodelers Foundation)
9755 SW Barnes Rd., Suite 290
Portland, OR 97225

Contact person: Craig Hills, Executive Director
Phone number: (503) 698-8382

Program description: ReFit serves the elderly and persons with disabilities who own their own homes and are not eligible for other home repair programs. They provide necessary remodeling services for homeowners who wish to remain in their homes, but could not otherwise do so. They provide home modification, along with adaptive equipment such as ramps and grab bars. Applicants may not have monthly income of over $2,450 for an individual, or $2,800 for a couple.

Unlimited Choices, Inc./Adapt-A-Home

Unlimited Choices, Inc./Adapt-A-Home
211 SE 80th Avenue
Portland, OR 97215

Contact person: Brenda Jose
Phone number: (503) 234-6167
Fax: (503) 234-9980
E-mail address:

Program description: Unlimited Choices, Inc.™ is a private community based nonprofit organization serving Beaverton, Portland, Gresham, Multnomah County and Vancouver, WA residents. Founded in 1993, the organization is dedicated to providing people with physical disabilities the opportunity to retain or gain their independence by making affordable housing accessible.

Adapt-A-Home™ participants must qualify by HUD income guidelines and may be either renters or homeowners. Community Development Block Grant monies of up to $2,500 may be allocated for the materials and labor necessary to make residences accessible and safe. Unlimited Choices manages all project activities from the initial intake to final payment to the contractor.

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