Home Rehabilitation / Reconstruction Loan Program

City of Austin, Neighborhood Housing & Community Development (NHCD)

Available Home Repair

About This Program

The Grant Map catalogs Home Rehabilitation / Reconstruction Loan Program in its Austin, TX research directory. The record carries audience tags for homeowners; those tags do not establish eligibility or current service coverage.

Zero-interest deferred loan to bring homes up to building code, with no monthly payments during the 15-year lien period. When repairs exceed $75,000 and full rehabilitation is not cost-effective, the program funds full demolition and reconstruction of a new home in its place. Lead-based paint hazard remediation is included in eligible scopes.

0% interest; no monthly payments; 15-year lien. Rehab capped at $75,000; reconstruction up to $350,000 or 125% of after-improvement appraised value.

The cited program-specific URL responded on 2026-07-21; confirm current terms.

Record set last reviewed 2026-04-03. How we verify our data.

Other published resources for Austin, TX, are listed below. Review each separately and ask the administrators whether they can coordinate funding for the same work:

Key Details

  • Zero-interest deferred loan, no monthly payments for 15 years
  • Must own and occupy within Austin full-purpose city limits
  • Household income ≤ 80% MFI
  • Covers full code compliance, lead paint, and reconstruction if home is too far gone
  • Estimated 6 homes served per program year

How to Apply

Review possible next steps Open Cited Source Track this program

Program phone: 512-974-3100

Some programs require contractor estimates, licenses, or inspections. A cited link may be general, so confirm the current rules with the administrator before hiring; a directory match does not guarantee contractor eligibility or funding.

You may need a contractor or estimate

Some programs for this project type ask for a license, inspection, or written estimate. Confirm the rule before contacting a contractor in Austin.

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Our record classifies the structure as a forgivable loan. Confirm repayment, forgiveness, residency, and any lien terms with the administrator.

Each administrator sets its contractor rules. Confirm exact requirements directly; the cited URL may be a general agency page.

Your application paperwork

Documents you will likely need

  • Proof you own and live in the home (deed, recent mortgage statement, or property tax bill).
  • A government-issued photo ID for every owner on title.
  • Household income proof (recent pay stubs, last year's tax return, or benefit award letters for everyone in the home).
  • A written estimate from a licensed contractor for the work (many programs require this to apply).
  • Photos of the problem area or the work to be done.
  • The program's own application form, completed (use the official link or phone number on this page).
Download this checklist (PDF)

Requirements vary by program and locality. Confirm the exact rules and application route with the administrator. We can help you prepare your paperwork, but you submit it yourself.

Deadline: Rolling

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Frequently asked questions

What amount is listed for Home Rehabilitation / Reconstruction Loan Program in Austin, TX?

The Grant Map record states: Up to $75,000 rehab / $350,000 reconstruction. Confirm the current amount and eligible costs with the administrator.

What audience tags are recorded for Home Rehabilitation / Reconstruction Loan Program in Austin?

The directory record carries audience tags for homeowners. These tags do not establish eligibility; confirm the complete current rules with the administrator.

How do I apply for Home Rehabilitation / Reconstruction Loan Program in Austin, TX?

Confirm the application route directly with City of Austin, Neighborhood Housing & Community Development (NHCD); use the cited source on this page as a starting point or call 512-974-3100. Confirm any fee or cost with the administrator.

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