Home improvement is a costly affair, not everyone can afford. Although, most of us undertake home improvement projects for decorative purposes, there are some people who have no choice but to make necessary repair work to their home, so as to make it worth living. Since, these are the people who often come from the lower strata of society, they can rarely afford the cost of home improvement. Government grants of several thousands are available for such people. Unfortunately, most of them are unaware of such programs. Thus, if you happen to be one such individual or you know someone who might benefit from such program, then you should indeed read this article.
Who is Eligible for Home Improvements Grants
As mentioned above, people belonging to low income groups are mainly eligible for home repair grants. Though, the specific requirements for eligibility of the grant vary according to each state, it is unlikely that a decently earning family may qualify for this program. Besides low income groups, other unprivileged sections of society also become eligible for free government grants for home improvements. These sections include disabled as well as elderly people. People belonging to specific ethnic group may also apply for such grants, if the state laws have such a provision. Besides, minority and people residing in areas classified as ‘rural’ by federal or state government also benefit from this program. People staying in certain disaster prone areas may also avail special benefits and grants from government. The home improvement projects for these people include revamping of the house to meet standards of health and safety hazards or remodeling their house to support their disability (e.g installing a wheelchair ramp in house).
How Much is Available Through These Grants
The US Department of Housing and Urban Development (HUD) has various programs through which it imparts grants and financial aid to eligible families. Rehabilitation and Repair Home Loan program is a program by HUD which has offered grants to thousands of people till date. The exact grant amount depends upon several factors such as individual’s income, state of residence, socio-economic condition, number of dependents, etc. Some individuals may become eligible for full grant amount while others may draw only partial benefit. Government offers grants as high as USD 15,000 or even more. Besides, financial assistance is also available in the form of low interest loans. Thus, an individual may receive part of his benefit as a grant while the remainder as a home improvement loan.
How to Apply
Firstly, you can start searching for various government grants on the official website of the US government, Grants.gov. You can find a detailed listing of various grants offered by the government through its programs. You can also search particularly for the home improvement grants in this listing. You will be directed to the relevant pages where you can find all the required information regarding eligibility criteria, how to apply, etc. Alternatively, you may contact your city, county or local community development office or the office of rural development where you can get the required information. If you have trouble locating these offices, you may visit the official website of National Association of Housing and Redevelopment Officials at nahro.com. One can also inquire at the information center at the Office of Community Planning and Development (comcon.org). You will then be required to submit proofs in support of your claim.
Once your application has been approved, you will receive funds in course of time. Make sure to allocate these funds on the repair work very wisely.
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