H. 8c. July 26, 2019 Page 1 of 12
The Harris County Home Repair Program provides grants to low-income elderly (62 years or older)
or households with a disabled person. If qualified, we provide the following:
Minor Home Repair:
1) For the very low-income elderly 62 years or older (with income levels not exceeding 50% of the
median family income limits) or households with a disabled person disability must be
documented and the disabled person must reside in the home and have proof of residence at
the time of application up to $20,000 assistance in the form of a grant for minor home repairs
for qualified housing including, but not limited to, roof repair/replacement, handicap
accessibility improvements, mechanical, electrical, weatherization, and plumbing improvements;
Septic and Water Well:
2) Up to $40,000 funding in the form of a grant or deferred payment loan for the purpose of
repairing and/or replacing water wells and septic systems that are not functioning or have
received health safety violation citations. To be eligible there is no age limit but all other
eligibility requirements must be met; or
3) In certain designated revitalization areas up to $80,000 for major rehabilitation or up to
$135,000 for reconstruction. The funding assistance is in the form of an in terest only loan with
the principal deferred and forgivable upon complying with a five/ten year affordability period
and major rehabilitation/reconstruction contract terms. Rehabilitation or Reconstruction of a
property is determined on the extent, type and cost of repairs and based on the “75% Rule”.
The 75% rule is that a housing unit is suitable for rehabilitation if the estimated cost of
improvements will be less than 75% of the Harris County appraisal value as determined by the
Harris County Appraisal District. Housing units with an estimated cost of improvement 75% or
greater may be eligible for reconstruction. A housing inspector will inspect the home to
determine the cost of the repair.
Applicant’s housing front end ratio cannot exceed 39% and the Debt-to-Income cannot exceed
42%. Very low income (50% AMI or less) applicants may qualify for no payments and the higher
the applicant’s income, the more they will have to pay.
4) Applicants must reside within the Harris County Community Services Department’s service area
which includes the unincorporated areas of Harris County and the 12 cooperative cities which
have signed agreements with Harris County for service. Residents of the cities of Houston,
Baytown, and Pasadena are not eligible for assistance in this program.