There are times when your home suffers damage that makes it uninhabitable and in need of major repairs. Although you are unduly covered by home insurance, there are things that even your insurance policy does not cover. Or, you have not been able to track maintenance costs, so you skipped some repairs; and what was a smaller maintenance repair becomes a major home repair. A repair may be urgent, and you may not have the funds to do it, and that 's where you might be able to use a home repair subsidy. These grants are distributed either by the government or by a private party, and they never need to be repaid. To receive a grant, you will need to qualify, and each grant has different eligibility criteria. However, if you qualify for one, you may be able to get these needed repairs to your home sooner rather than later.
If you are looking for a government grant, you want to start with the US Department of Housing and Urban Development, or HUD. They can help you find the government grants available and explain how you can qualify. In some cases, HUD will actually pay just to pay for your repairs. You can find them online or through the resources of your local state. If you go to their website, you can actually download the applications. If you are trying to deal with repairs that have been caused by a natural disaster, then the Federal Emergency Management Agency, FEMA, is the federal agency with which you will deal. Again, look online or contact your state's resources to connect to the opportunities that FEMA offers.
Grants to Seniors
If you are an elder, who in this case is 55 years of age or older, you may be eligible for a Home Repair Grant. Often, seniors who are retired and living on a fixed income need to seek help to pay for their home repairs. Start by looking locally. Many cities have programs specifically designed to help their elders. The possibilities range from a single home repair grant to ongoing assistance. Check with your local and municipal resources to find information about your area.
Grants for People with Disabilities
If you are disabled, many programs are available to help you repair your home. Again, start searching locally. You will find local agencies and private parties offering grants and help in your area.
Sometimes successful businesses or individuals, with the goal of giving some life back to their community, collect home repair grants in the private sector. Although you need to do some research, these grants are available in many communities. Check with your local Chamber of Commerce or service agencies in your area. You can also find companies that offer free material and labor to those who qualify for help with home repairs.
Do Your Research
You can do a lot of research online to find grants that are available in your area. Sometimes all you need is a quick search on the internet to find good grant options that can work for you when you need to repair your home.