Financial Assistance for House Repairs

Goldie

Financial Assistance for House Repairs

Goldie
plumbing-840835_640Having seen a few posts on house repair challenges, I thought I would add a possible resource. It won't help if you have a spouse or parent who insists on doing the work him or herself, but it's still good to know.

Most cities or counties have a Housing Authority office. In our county, there is a Housing Rehabilitation program for low income families, the elderly, and those who are disabled. If someone living in the house is over age 62 or disabled, the income guidelines are more lenient. Depending on your situation and/or income, you can qualify for 3% or 5% loans to fix-up your house. This can include replacing old appliances, updating bathrooms and kitchens, and making a house accessible for a disabled person. For those who are elderly or disabled, part of the cost is covered by a grant AND the loan is deferred. This means you don't have to pay it back until you sell the house.

We found out about this after our daughter was born at 28 weeks gestation. We brought her home in September and a month later, the furnace went out. We were a very low income family at the time. The housing authority replaced the furnace for us and did some updating in our house. That was 22 years ago and, at the time, it was a 1% loan. I don't know what we would have done without it.

For anyone who has a parent living with them or are caring for a spouse who can no longer work, this might be something to check into before something goes wrong.