Ultimate Guide To Home Repair Programs For Seniors (on fixed incomes)

home repair programs

Ultimate Guide To Home Repair Programs For Seniors

Are you a senior citizen on a fixed income in need of home repairs but unsure of where to find help? 

I’m Nick Bryant, an author, and a case manager in Houston, Texas with 13 years of experience helping seniors connect to supportive services like programs to help them fix their homes. 

In this article, I’ll guide you through various programs and resources that cater specifically to seniors like you. From organizations offering free home repairs to programs that can help you secure loans for home improvements, we’ve got you covered. 

So, whether it’s a leaky roof, a faulty heating system, or accessibility modifications, you can rest assured that help is within reach. Read on to learn how you can find the support you need to make your home safer, more comfortable, and better suited to your needs without breaking the bank.

Free Home Repairs Are Always Better But…

Of course, free home repair programs are always the most appealing option and should be your first choice. However, it’s essential to keep in mind that these programs can be highly competitive and may sometimes face funding constraints. While it’s always a great idea to explore free home repair options first, don’t be discouraged if they’re not readily available.

Remember, there are still other resources at your disposal. As a senior citizen on a fixed income, you can look into loan programs specifically designed to help with home repairs. These loans cater to your financial situation, making it more manageable to improve your home’s safety and comfort. 

In this guide you will learn about both options and where you can go to talk with someone to help you make the best decision regarding home repairs. 

How To Find Home Repair Programs For Seniors (In Your Area)

To find nonprofits that will help you with home repairs you will need to contact your local Area Agency on Aging or AAA. They manage call centers where they offer senior citizens information on community resources like programs to fix their home. 

You can get the phone number to your local Area Agency on Aging, by using the Elder Locator website. You’ll need to enter your zip code and they will provide you with the information about the AAA agency that offers resources for senior citizens in your area. 

Once you get the number, call them and they will provide you with a list of agencies that provide home repairs. When I called our Area Agency on Aging they provided me with the following resources for senior home repair programs in Houston: 

  • City of Houston Home Repair Program
  • Harris County Home Repair Program
  • Rebuilding Together Houston
  • Harvey Home Owner Assistance Program

At the time, non of these programs had funds to help a client, but things change. Also, your specific city may have even more options for home repair programs. You just need to find your local Area Agency on Aging, call them, and see what nonprofits help with these projects. 

2 Home Repair Programs (Rebuilding Together + Habitat For Humanity)

If you’re a senior on a fixed income or an individual with a disability in need of home repairs, there are organizations like Rebuilding Together and Habitat for Humanity that might be able to help you. 

Both organizations have chapters in most cities and are committed to assisting people in need with home repairs and improvements. As a senior or someone with a disability, you could potentially receive free home repairs through their services.

Rebuilding Together focuses on providing safe and healthy housing for those who are struggling financially, while Habitat for Humanity is dedicated to building and improving homes for those in need. 

You can find even more programs like this by calling your local United Way. Just dial 211 on your cell phone and you will be routed to the United Way organization in your city. 

Urban League Housing Counseling

Navigating the world of home repair programs and loans can be overwhelming, especially when you’re a senior or an individual on a fixed income. That’s where the National Urban League can be a lifesaver. They offer housing counselors who are trained to assist you in finding the right options for your specific situation.

These counseling services are tailored to meet your unique needs, addressing a wide range of issues such as preparing for homeownership, default and foreclosure prevention, budget and credit counseling, home maintenance, tenant and landlord rights, homelessness, reverse mortgage counseling, and fair housing.

With the help of a housing counselor, you can feel more confident and informed about your choices, whether you’re searching for a free home repair program or exploring loan options to cover the cost of home improvements, so consider reaching out to them if you do not have children or someone else to help you sort out your options. 

Get A Loan For Repairs If Your Home Is Paid Off

If you have a paid-off home, you can still obtain a loan to finance home repairs or improvements. There are several options to consider when looking for financing:

  1. Home Equity Loan: A home equity loan is a type of second mortgage that allows you to borrow against the equity you’ve built in your home. You’ll receive a lump-sum payment, and the loan typically comes with a fixed interest rate and fixed monthly payments. Since the loan is secured by your home, you may be able to get a lower interest rate than with an unsecured loan.
  2. Home Equity Line of Credit (HELOC): A HELOC is another form of second mortgage that allows you to borrow against your home’s equity. However, unlike a home equity loan, a HELOC provides a revolving line of credit that you can draw from as needed. The interest rate on a HELOC is usually variable, and you’ll only pay interest on the funds you actually use.
  3. Cash-Out Refinance: With a cash-out refinance, you replace your existing mortgage with a new, larger loan. You can then use the difference between the old and new loan amounts to finance your home repairs. This option can be beneficial if you can secure a lower interest rate on the new mortgage, but it’s essential to consider the closing costs and potential extension of your loan term.
  4. Personal Loan: A personal loan is an unsecured loan that doesn’t require any collateral. You can use the funds for any purpose, including home repairs. Personal loans typically come with fixed interest rates and repayment terms. However, the interest rates on personal loans are often higher than those for secured loans, as they pose a higher risk to the lender.
  5. Government-Backed Loans and Grants: Some government programs, such as the Federal Housing Administration (FHA) Title I Property Improvement Loan or the U.S. Department of Agriculture (USDA) Single Family Housing Repair Loans and Grants, provide financing options for home repairs and improvements. These programs have specific eligibility requirements and may be geared toward low-income homeowners, seniors, or individuals living in rural areas.

When considering a loan for home repairs, it’s essential to compare the various financing options and their associated interest rates, fees, and repayment terms. Always choose the option that best suits your financial situation and needs.

Where To Find Information About Home Loan Options

If you are a senior citizen looking for more information about loan options for home repairs, there are several resources and organizations you can reach out to for assistance:

  1. Area Agencies on Aging (AAA): AAAs are regional organizations that offer various services and resources for seniors, including home repair assistance programs. You can use the Eldercare Locator to find your local AAA office and inquire about available home repair programs.
  2. Local Banks and Credit Unions: Visit or contact your local banks and credit unions to inquire about home repair loan options they may offer. They can provide information on their specific loan products and help you determine which option might be best for you.
  3. Housing Counselors: HUD-approved housing counselors can provide free or low-cost advice on home repair financing options. They can help you understand the different loan products and guide you through the application process. You can use the HUD website to find a housing counselor near you.
  4. Local Government Agencies: Check with your city or county’s housing department for information about home repair programs for seniors. Many local governments offer grants, loans, or other assistance for home improvements and repairs.
  5. Nonprofit Organizations: Some nonprofit organizations provide home repair assistance to seniors, such as Rebuilding Together and Habitat for Humanity. Visit their websites or contact your local chapters to learn more about their programs and eligibility requirements.
  6. State Housing Finance Agencies: Many states have housing finance agencies that offer home repair programs for seniors. Visit your state’s housing finance agency website or contact them for more information.
  7. Online Research: Use search engines to find senior home repair loan programs in your area. Try searching for terms like “senior home repair loans [your city or state]” or “home repair assistance for seniors [your city or state].”

When reaching out to these resources, be prepared to provide information about your home repair needs, and any specific eligibility requirements you may have. This will help the organizations guide you toward the most suitable loan options for your needs.

HUD Home Improvement Options 

If you are considering getting a loan to improve your home, the HUD website is a good resource to learn more about all of your options. 

When you visit their Home Improvements webpage, you will learn about home improvement options for seniors on a fixed income like: 

  • The HUD Rehabilitation and home repair loan program
  • Property improvement loans
  • HUD-approved lenders to help you fix your house
  • A home improvement program for Native Americans
  • Loan programs for individuals who live in rural America
  • And more…

HOME Program: Home Repair Program For The Elderly

If you’re a senior citizen on a fixed income or someone with a disability and limited funds, it’s important to know that there are federal loan programs available to help you with home repairs and improvements. 

One such program is the HOME program, which provides funds for various housing-related projects, including homeowner rehabilitation activities.

With the HOME program, you can receive assistance for the repair, rehabilitation, or reconstruction of your owner-occupied unit. When using HOME funds for the rehabilitation, the work must be performed according to the program’s written rehabilitation standard, and the unit must be brought up to the applicable state or local code. This ensures that your home is safe and meets the required standards.

In order to make these improvements more affordable, the HOME program offers different forms of financial assistance, such as grants, deferred-payment loans, non-interest-bearing loans, and interest-bearing loans. Depending on your financial situation and the cost of the rehabilitation, you might be eligible for one or more of these options.

Keep in mind that, as a senior citizen or a person with a disability, you might need specific modifications or upgrades to make your home more accessible and comfortable. The HOME program can help you achieve this by providing assistance tailored to your needs.

To learn more about the HOME program and other federal loan programs that can help you finance home repairs and improvements, visit the HUD website. Search for grantees (organizations with money for home repairs) by state. 

Editor’s Note: I’ll be honest there are lots of options on this page, so if you need help narrowing down organizations that you can call, just let me know in the comments by telling me what city and state you live in. 


Seniors on a fixed income who need home repairs have 2 options: 

  1. Find a free home repair program or…
  2. Find a favorable loan program to help you fix your home

Free is always better, but don’t be discouraged if the home repair program you contact does not have funds. Continue to be persistent and reach out to them on a regular basis to see when funds might be available. Also, look into programs that offer loans to help cover the cost of home improvements. 

If you have more questions regarding home improvements you can contact an agency like the National Urban League. They offer housing counseling to help you understand what options you have regarding home repairs that you cannot afford. 

This was a general article about how to get free home repairs, but if you cannot find your local Area Agency on Aging, Habitat for Humanity, or any other organizations that offer information regarding free home improvement programs, just comment below with your city and state, I’ll research options for you.

Similar Articles That May Interest You: 

Leave a Reply

Your email address will not be published. Required fields are marked *