Raleigh Substantial Rehabilitation Program
City of Raleigh, Housing & Community Development
About This Program
The City of Raleigh's Substantial Rehabilitation Program provides deferred-payment, 0% interest loans up to $120,000 for senior or disabled low-income homeowners to address comprehensive home repair needs. Loans are forgiven after 5 years of continued occupancy. Eligible properties must be single-family homes, townhomes, or condos within city limits with assessed value at or below $384,750. Program is currently closed to new applications.
Estimate for senior homeowner needing major roof, HVAC, and structural repairs
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 Raleigh, NC, are listed below. Review each separately and ask the administrators whether they can coordinate funding for the same work:
- Raleigh Limited Repair Program Up to $20,000
- Raleigh Home Revitalization Program Up to $30,000
- Wake County Major Home Repair Program Up to $90,000 (including closing costs and testing fees)
- NC Urgent Repair Program (NCHFA / URP) Up to $15,000 per household
Key Details
- Up to $120,000 at 0% interest, no monthly payments required
- Loan forgiven after 5 years of continued occupancy
- Must be age 62+ or have a qualifying disability
- Own and occupy home for 5+ years; home value ≤$384,750
- Currently closed to new applications, check for reopening
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 Raleigh.
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.
- Proof of age (driver's license or birth certificate) if the program is age-based.
- Documentation of disability (award letter or a physician's statement) if the program is disability-based.
- 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: Currently closed, monitor raleighnc.gov for next intake period
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Find More Programs in Raleigh, NC
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