Home Rehabilitation / Reconstruction Loan Program

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

Available Home Repair

About This Program

Home Rehabilitation / Reconstruction Loan Program is available to homeowners in Austin, TX.

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.

Verified against City of Austin, Neighborhood Housing & Community Development (NHCD)'s official page on 2026-06-17.

Data last verified 2026-04-03. How we verify our data.

In Austin, TX, you can combine this program with other local help to cut your cost:

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

Get free help applying Visit Official Program Page Track this program

512-974-3100

A grant-savvy contractor in Austin, TX can handle the paperwork, inspections, and timelines so your funding releases on schedule. Getting matched is free.

You will likely need a contractor to apply

Projects like this almost always need a licensed contractor, and many grants ask for a written estimate as part of your application. Lining up a contractor in Austin early keeps your application moving.

Get matched with a contractor

This program is usually a forgivable loan: you owe nothing if you stay in the home for the set period, but it may place a lien on the property until then.

Each program sets its own contractor rules. Check the official program page for exact requirements.

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 on the official program page. We can help you prepare your paperwork, but you submit it yourself.

Deadline: Rolling

Questions about this program?

Ask us. It is free, and a real person answers within a business day.

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Frequently asked questions

How much can Home Rehabilitation / Reconstruction Loan Program provide in Austin, TX?

Up to $75,000 rehab / $350,000 reconstruction.

Who qualifies for Home Rehabilitation / Reconstruction Loan Program in Austin?

Home Rehabilitation / Reconstruction Loan Program is open to homeowners in Austin, TX.

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

Apply directly with City of Austin, Neighborhood Housing & Community Development (NHCD) using the official program link on this page or call 512-974-3100. There is no middleman and no fee.

Need a Contractor for This Grant?

Grant-approved contractors understand the documentation, inspections, and timelines, so your funding releases on schedule.

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Find More Programs in Austin, TX

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