Inherited Home Repair Grants: Options for Overwhelmed Owners
Inheriting a home can be a blessing, but it can also come with significant financial burdens, especially when repairs are needed. Don't let repair costs force you into debt. There are non-debt options available to help you cover the costs of repairs. HomeLeafs is not a lender and does not earn money from borrowing, so we can provide unbiased guidance on the best options for your situation.
Based on federal consumer protection law and HUD/CFPB public guidance · Last reviewed July 2026
The Direct Answer
If you've inherited a home that needs repairs, there are grant programs available to help. The Homeowner Assistance Fund (HAF) and the FHA Title I program are two examples of government programs that offer financial assistance for home repairs.
Non-profit organizations, such as the National Foundation for Credit Counseling and the Homeownership Preservation Foundation, also offer grants and guidance for homeowners in need. These programs can help cover the costs of repairs, including roofing, plumbing, and electrical work, and may even provide assistance with property taxes and insurance.
Do not sign any contracts or agreements with contractors until you've researched and verified their licenses and reviews, and be wary of scams targeting inherited homeowners.
Government Grant Programs
Homeowner Assistance Fund (HAF)
The HAF program provides financial assistance to homeowners who are struggling to pay for home repairs. The program is funded by the US Department of the Treasury and is administered by each state's housing finance agency.
FHA Title I Program
The FHA Title I program offers loans and grants for home repairs, including repairs to make a home more energy-efficient. To be eligible, you must own or be purchasing a one- to four-family home and meet certain income requirements.
Non-Profit Repair Programs
Non-profit organizations, such as Rebuilding Together and Habitat for Humanity, offer home repair grants and volunteer labor to low-income homeowners. These programs may have income and eligibility requirements, and may prioritize homeowners who are elderly, disabled, or have young children.
Applying for Repair Grants
Contact your state's housing finance agency to learn about available grant programs and eligibility requirements
Gather required documents, including proof of income, property ownership, and repair estimates
Submit your application and wait for review and approval
Additional Resources
Your county or local government may also offer home repair grants or programs, so be sure to check with your local office for more information. The National Association of Area Agencies on Aging (n4a) and the AARP Foundation also provide resources and guidance for older adults who are struggling with home repairs.
Get Help with Inherited Home Repairs
If you're struggling to pay for inherited home repairs, don't wait until it's too late. Reach out to a HUD-approved housing counselor for guidance on available grant programs and resources.
What is the difference between a grant and a loan?
A grant is a type of financial assistance that does not need to be repaid, while a loan must be repaid with interest. Grants are often need-based and may have income and eligibility requirements.
How do I know if I'm eligible for a home repair grant?
Eligibility requirements vary by program, but generally include factors such as income, property ownership, and repair needs. Contact your state's housing finance agency or a HUD-approved housing counselor to learn more about available programs and eligibility requirements.
Can I use a home repair grant to pay for energy-efficient upgrades?
Yes, some home repair grant programs, such as the FHA Title I program, allow you to use funds for energy-efficient upgrades, including new windows, insulation, and solar panels.
How long does it take to receive funding from a home repair grant program?
The timeline for receiving funding from a home repair grant program varies by program, but can take several weeks to several months. Be sure to plan ahead and apply for programs well in advance of when you need the funds.