Owner-Occupied Home Repair Program

Overview

The Owner-Occupied Home Repair Program is designed to aid low-and moderate-income owner-occupied households whose home assessed value does not exceed $636,806 with minor home rehabilitation. Eligibility is based on household income and family size. (refer to chart below):

Waiting List

Income Limits for CDBG & SHIP Funding

Household Size

Very Low
30% AMI

Low
31–50% AMI

Moderate
51–80% AMI

SHIP Funding Limits
120% AMI

1 $24,250 $40,350 $64,550 $96,840
2 $27,700 $46,100 $73,800 $110,640
3 $31,150 $51,850 $83,000 $124,440
4 $34,600 $57,650 $92,200 $138,360
5 $37,650 $62,250 $99,600 $149,400
6 $43,150 $66,900 $107,000 $160,560
7 $48,650 $71,500 $114,350 $171,600
8 $51,150 $76,100 $121,750 $182,640

*Income is considered salary/wages, child support, social security payment, ect.*

Eligible households can receive up to $65,000.00 in home repair assistance. (The program does not reimburse for prior rehabilitations.)

Minor Repairs include:

  • Roof replacement
  • Windows & doors replacement
  • Hurricane storm shutters
  • HVAC/Air Conditioning updates; installation
  • Mold Remediation
  • Safety / Hazzard issues

Barrier Free/Special Needs:

  • Improvements for exterior/interior mobility and accessibility
  • Doorway expansions
  • Bathroom and kitchen retrofitting
  • Other life safety improvements

The maximum allowable assessed property value cannot exceed $636,806.00. If you are not aware of the assessed property value, please visit BCPA.net.

Note: If you are not aware of the assessed property value, you can be check it at BCPA.net 

Awarded grant funds are provided with no annual payment schedule as a fifteen-year deferrable loan. Six-point seven percent of the total award amount is forgiven each year until the end of the fifteen-year term, provided the property remain owner-occupied. At the end of the loan period, 100 percent of the loan is forgiven.