Free Home Repair Assistance Programs [Grants & Charities]

What should you do if you cannot get a home improvement loan because you have bad credit or your income is insufficient because you are retired or disabled?

Fortunately, you might be able to find assistance to fix up your residence.

Many charities help with home repairs as part of their overall mission and can provide free servant labor while you might have to fund the material costs.

Government home repair grants represent free money that you do not have to repay. However, the funding is limited and can be very hard to get or may not flow directly to individuals.

Charities That Help with Home Repairs

Many charities provide help with home repairs as part of the services offered to target groups. However, it pays to keep several things in mind when dealing with non-profit 501(c)(3) organizations.

Funding is often sparse as they rely on the generosity of donors
Needs from the local community often outstrip their limited resources
Restoration work may be one of the many services they provide

Habitat for Humanity

Habitat for Humanities is a charity that often assists with home repair. While their primary mission is to build affordable housing for low-income families, they often face gaps in suitable jobs for their army of servant tradespeople.

Renovation work is often a more cost-effective way for Habitat for Humanity affiliates to help people in their local communities. Contact your local affiliate to express your need for restoration work.

Rebuilding Together

Rebuilding Together is another charity that helps with home repair with a focus on community revitalization. Corporate and community partners combine to refurbish dwellings and rebuild lives.

The affiliate network of Rebuilding Together completes close to 10,000 renovation projects each year. They have non-profit affiliates who serve the needs of people in need across the country. Look for a local outlet in your area.

Mission Trips

Several faith-based charities help with home repairs across the country and internationally by organizing mission trips for youth and adults.

Jesus was a carpenter and taught to love others through service.

Contact one the these 501(c)(3) organization about your need. They may have a mission trip already scheduled in your area or could make one happen on your behalf.

Samaritans Purse

Samaritans Purse is a faith-based charity that sometimes assists with home repairs after natural disasters such as earthquakes, hurricanes, tornados, tsunamis, etc.

For example, Samaritans Purse recently sent a team to Galena, Alaska, to rebuild houses swept off their foundations by floodwaters.

Catholic Charities

Catholic Charities faithfully serves people in need through the collective effort of the church. Their affordable housing programs provide emergency shelters & long-term assistance to vulnerable populations.

The non-profit organization has a network of offices throughout the country, and some occasionally support home repair efforts to keep people off the streets. Contact your local office for help.

Local Organizations

Most often, finding neighborhood charities that help with minor home repairs is your best bet because a local church or volunteer organization can mobilize the servants and supplies more efficiently.

Begin with this list of non-profits and perform a local online search.

Hope House – Bowling Green

United Methodist Parish – Cumberland County

Hand in Hand Ministries – Floyd, Johnson, Magoffin, and Martin counties

Michigan

Home Repair Services of Kent County – Grand Rapids

Solid Rock Ministries – Holland & Zeeland

Mississippi

Cary Christian Center – Cary

Voice of Calvary Ministries – Jackson

New York

Church of the Assumption – Fairport

Snowbelt Housing Company – Lowville

North Carolina

Wilmington Area Rebuilding Ministry

Holland’s United Methodist Church – Raleigh

Partners in Ministry – East Laurinburg

Ohio

Home Repair Resource Center – Cleveland Heights

The Urban Mission – Steubenville

Youngstown Neighborhood Development Corporation – Youngstown

Pennsylvania

Cornerstone Ministries – Murrysville

Handyman Ministries – Gordonville

Good Neighbors, Inc. – Kennett Square

South Carolina

Sumter United Ministries – Sumter County

Tennessee

Appalachian Outreach – East Tennessee

Centreville United Methodist Church – Sneedville

Saint Luke’s United Methodist Church – Memphis

Service Over Self – Memphis

Mountain T.O.P. – Coalmont

Texas

Northwest Assistance Ministries – Houston

The Network of Community Ministries – Dallas, Garland, Richardson

First United Methodist Church – Burleson

BluePrint Ministries – San Antonio

Virginia

Love Inc. – Charlottesville & Albemarle County

Tree of Life – Lynchburg

Washington

Homage – Linwood

Wisconsin

Revitalize Milwaukee

Free Home Repair Grants

The federal government also provides free home repair grants to help specific groups of marginalized people such as senior citizens, veterans, disabled individuals, and low-income families.

Grants are better than loans because you do not have to pay the federal remodel incentive money back to the government. However, the qualifications are rigorous, and you sometimes need to be creative.

Disabled

Home repair grants individuals with disabilities require out-of-the-box thinking. The federal government does not seem to offer free help explicitly tailored to people dealing with handicaps.

However, other programs can provide limited assistance with certain modifications. Disabled people can look into these overlooked resources.

Three government HVAC grants can make it more affordable to upgrade a furnace, air conditioner, and water heater through rebates and energy savings
Social Security Disability Insurance claims can fund loan payments – but borrow money for critical emergency needs only
Health insurance (Medicare, Medicaid, and Private plans) sometimes cover medically necessary alterations that keep you from an expensive hospital stay
Costs incurred to implement accessibility modifications in your dwelling are an eligible medical deduction on your Federal Income Tax
Property insurance plans may cover the costs to fix damage from sudden losses due to wind, hail, fire, lightning, water damage, and freezing

Senior Citizens

The USDA Section 504 program also provides home repair grants for senior citizens. Elderly individuals over the age of 62 who cannot afford to pay back a loan may qualify for this free money. The maximum lifetime grant is $7,500.

Senior citizens could be eligible if they meet these criteria.

Be the owner and occupy the house
Reside in an eligible rural area
Unable to obtain a loan elsewhere (bad credit)
Have a family income below 50% of the area median
Unable to repay a restoration loan

Senior housing renovators must use the money to remediate health and safety hazards. These perils increase the risk of respiratory problems or infections and accidents such as falls, electric shocks, and more.

Veterans

Government home repair grants for veterans are more readily available. Former members of the armed forces who served our country bravely deserve our respect – and an occasional free service from the taxpayers and other grateful citizens.

The U.S. Department of Veterans Affairs (V.A.) offers three different housing assistance programs to help personnel with service-connected disabilities. The funding helps make needed changes to their living environment, such as ramps, walkways, handrails, grab bars, sliding doors, and other modifications.

Specially Adapted Housing (S.A.H.) grant helps recipients live independently in a barrier-free environment
Special Housing Adaptation (S.H.A.) grant helps recipients with specific service-connected disabilities adapt or purchase a residence to accommodate the impairment
Temporary Residence Adaptation (T.R.A.) grant helps recipients modify a house owned by a family member

Low-Income

The U.S. Department of Agriculture (USDA), Housing Preservation program provides government grants to sponsoring organizations that fund housing repair and rehabilitation for low-income residents located in rural areas.

However, this free money has limitations.

Residents in urban areas do not qualify as the money flows to rural areas only
Individual homeowners are not eligible
Only state or local governments, tribal entities, or charitable organizations can apply