Program
North Carolina urgent home repair program
State money for urgent repairs to homes of lower-income owners, often as a forgivable loan.
What it can pay for
- roof
- septic and well
- heating and air
- electrical
- plumbing
- ramps
- handrails
- grab bars
- bathroom changes
- kitchen changes
- Official name
- NCHFA Urgent Repair Program (URP)
- Where
- NC
- Status
- Program running
- Most it pays
- $15,000 per-project
- About the amount
- Up to $15,000 per home (hard + soft costs). It's an UNSECURED, interest-free deferred loan forgiven $5,000/year — fully forgiven after 3 years if you stay. 2025 average job: $11,114.
- Housing rules
- Owner-occupied only (ownership interest OR life estate counts). Renters not eligible. A life estate is useful for parents who deeded the house to kids but kept lifetime rights.
- How long it takes
- Model 2027 calendar: applications July 24-Sept 25, 2026 -> households selected Oct 23, 2026 -> work under contract by Oct 16, 2027 -> completed by Dec 31, 2027. Partners must re-verify income if 6+ months pass between application and note signing.
- How to apply
- Find your county's local URP partner from NCHFA's Current Community Partners list, or call NCHFA's homeowner referral contact if your county has no partner; apply directly with that local partner during its funding window (short, typically summer/fall).
- Does not pay for
- No cosmetic remodels; the whole house doesn't have to meet housing-quality standards, but the WORK ITSELF must meet the NC Residential Code and be permitted. Not for rentals.
- Official source
- housingbuildsnc.com
- Last checked
- June 1, 2026