Chattanooga Owner-Occupied Rehabilitation Program
City of Chattanooga Neighborhood Services (CDBG)
About This Program
The Grant Map catalogs Chattanooga Owner-Occupied Rehabilitation Program in its Chattanooga, TN research directory. The record carries audience tags for homeowners; those tags do not establish eligibility or current service coverage.
Provides forgivable loans for major home repairs to income-qualified owner-occupants in Chattanooga. Loan is forgiven after 5 years of continued owner-occupancy and compliance with program terms including maintaining insurance and property taxes.
Forgivable loan amount based on scope of work, forgiven after 5 years of occupancy
The cited general URL responded on 2026-07-21; it does not confirm this program or amount.
Record set last reviewed 2026-05-25. How we verify our data.
Other published resources for Chattanooga, TN, are listed below. Review each separately and ask the administrators whether they can coordinate funding for the same work:
- Habitat Chattanooga Critical Home Repair Program No maximum amount is published
- FEMA Hazard Mitigation Grant Program (HMGP) Varies, no individual cap; projects typically $10K-$200K+
- FEMA Increased Cost of Compliance (ICC) Coverage Up to $30,000
- HUD Lead Hazard Control & Healthy Homes Varies by jurisdiction, typically $5,000-$15,000 per unit
Key Details
- Forgivable loan up to $30,000 for major repairs
- Income at or below 80% AMI required
- Must be owner-occupied in Chattanooga
- Forgiven after 5 years of compliance
- Covers structural, systems, and safety repairs
How to Apply
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 Chattanooga.
Get matched with a contractorOur 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).
- A recent utility bill for the home (energy and weatherization programs use it to confirm service and usage).
- 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).
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 applications, subject to fund availability
Questions about this program?
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Frequently asked questions
What amount is listed for Chattanooga Owner-Occupied Rehabilitation Program in Chattanooga, TN?
The Grant Map record states: Up to $30,000 forgivable loan. Confirm the current amount and eligible costs with the administrator.
What audience tags are recorded for Chattanooga Owner-Occupied Rehabilitation Program in Chattanooga?
The directory record carries audience tags for homeowners. It also carries a low-income tag. These tags do not establish eligibility; confirm the complete current rules with the administrator.
How do I apply for Chattanooga Owner-Occupied Rehabilitation Program in Chattanooga, TN?
Confirm the application route directly with City of Chattanooga Neighborhood Services (CDBG); use the cited source on this page as a starting point or call (423) 643-7400. Confirm any fee or cost with the administrator.
Need a Contractor for This Project?
Browse local listings or request an introduction. The Grant Map does not guarantee licensing, program experience, work quality, or funding.
More ways to save on this project
Rebates and discounts that may reduce project cost. Confirm eligibility and coordination rules before including one in your budget.
Find More Programs in Chattanooga, TN
This is one of several kinds of assistance that may be available. Review other programs separately and confirm whether their administrators allow coordination for the same work.
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