Critical Home Repair Program: Home repairs at no cost to qualifying homeowners

If you’re a homeowner with a low to moderate income, you might be eligible for the Critical Home Repair Program. This program provides urgent health and safety repairs at no cost. In return homeowners commit to staying in the home for five years, or selling to an income-qualified buyer.

This program is intended to help residents keep and stay in their homes.

The services are offered by local nonprofits such as Habitat for Humanity Charlotte Region, Rebuilding Together Greater Charlotte, Greater Matthews Habitat for Humanity and She Built this City.

Common repairs include:

• Roofing and structural stabilization
• Plumbing, electrical and HVAC upgrades
• Accessibility improvements such as ramps and grab bars

Jump to:

• Eligibility criteria
• How to apply
• Critical Repair Programs in other counties

Eligibility Criteria

• Must own and occupy the home
• Income at or below 80% of the Area Median Income (Please note that some of the participating agencies require a lower income.)
• Property taxes are current
• Have or willing to obtain homeowners insurance
• Funded as a forgivable loan – no repayment if homeowner stays in the home for at least 5 years after the repair(s)
• Some of the participating agencies have additional requirements. Some agencies mention that you must have lived in the home for 5 years, and you must not own any additional residential property. Make sure to read the eligibility requirements for the agency you’re applying to, or contact them with questions.

How to Apply

Eligible homeowners should apply directly with one of the agencies listed below. The agency will guide applicants through the full process.

Rebuilding Together of Greater Charlotte
9625 Southern Pine Blvd., Charlotte, NC 28273
980-236-0979

Habitat for Humanity of the Charlotte Region
3815 Latrobe Drive, Charlotte, NC28211
704-376-2054
For Mecklenburg, Iredell and Gaston County residents

More Critical Home Repair Programs in the Charlotte Region

The Town of Davidson supports the Essential Home Improvement Program. Learn more here. At the time of this update, the form on Town of Davidson’s website is not working, but they do provide an email address for support: affordablehousing@townofdavidson.org.

Habitat for Humanity of York County provides Critical Home Repair. Learn more here.

Habitat for Humanity of Cabarrus County provides Critical Home Repair. Learn more here.

Union-Anson County Habitat for Humanity provides urgent repairs. Learn more here.

If you don’t see your county listed here, search for “Critical Home Repair” and your county.