NC Housing Finance Agency, Urgent Repair Program (URP)

NC Housing Finance Agency (NCHFA), state program

Available Home Repair

About This Program

NC Housing Finance Agency, Urgent Repair Program (URP) is available to homeowners in Charlotte, NC.

The NCHFA Urgent Repair Program provides deferred, forgivable loans of up to $15,000 for emergency home repairs to very low-income (≤50% AMI) owner-occupied households with special needs members, elderly, disabled, veterans, or children under 6 with lead hazards. Funds flow through local nonprofit partners including Rebuilding Together Greater Charlotte.

Maximum program award; most projects use full amount for emergency repairs.

Verified against NC Housing Finance Agency (NCHFA), state program's official page on 2026-06-17.

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

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

Key Details

  • Income limit: 50% AMI (very low income)
  • Must have special-needs household member: elderly, disabled, veteran, or child under 6 with lead
  • Loan is deferred and forgiven, no repayment if conditions met
  • Delivered through local nonprofit partners such as Rebuilding Together Charlotte
  • Note: ESFRLP funds cannot be used in Charlotte, URP is the NCHFA option here

How to Apply

Get free help applying Visit Official Program Page Track this program

919-877-5627

A grant-savvy contractor in Charlotte, NC 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 Charlotte 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).
  • Proof of military service (DD-214) and, for disability-based grants, your VA disability rating letter.
  • 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).
  • 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: Administered through local nonprofits, contact NCHFA or local agency

Questions about this program?

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

Email us about this program

Frequently asked questions

How much can NC Housing Finance Agency, Urgent Repair Program (URP) provide in Charlotte, NC?

Up to $15,000 deferred forgivable loan.

Who qualifies for NC Housing Finance Agency, Urgent Repair Program (URP) in Charlotte?

NC Housing Finance Agency, Urgent Repair Program (URP) is open to homeowners in Charlotte, NC. It prioritizes low-income households. It serves seniors. It serves veterans and military families.

How do I apply for NC Housing Finance Agency, Urgent Repair Program (URP) in Charlotte, NC?

Apply directly with NC Housing Finance Agency (NCHFA), state program using the official program link on this page or call 919-877-5627. 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.

Get matched with a pro, free Browse Charlotte, NC contractors

Find More Programs in Charlotte, NC

This is just one of many grants, rebates, and free programs available. Stack them together to maximize your savings.

See All Programs