City of Charlotte Owner-Occupied Housing Rehabilitation

City of Charlotte, Housing & Neighborhood Services

Available Home Repair

About This Program

City of Charlotte Owner-Occupied Housing Rehabilitation is available to homeowners in Charlotte, NC.

The City of Charlotte provides deferred forgivable loans to low- and moderate-income homeowners for essential repairs and rehabilitation. Funded through the federal CDBG entitlement, the program targets health, safety, and structural deficiencies in owner-occupied homes within city limits. Income must be at or below 60% of area median income.

Estimate assumes average award for qualifying structural/safety repairs.

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

  • Deferred, forgivable loan, no monthly payments required
  • Income limit: 60% of Charlotte-Concord-Gastonia AMI
  • Must be owner-occupied primary residence within Charlotte city limits
  • Covers structural, safety, plumbing, electrical, HVAC, and accessibility repairs
  • Funded via HUD CDBG entitlement allocation

How to Apply

Get free help applying Visit Official Program Page Track this program

704-336-2754

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).
  • 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).
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, contact for current cycle

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 City of Charlotte Owner-Occupied Housing Rehabilitation provide in Charlotte, NC?

Up to $40,000.

Who qualifies for City of Charlotte Owner-Occupied Housing Rehabilitation in Charlotte?

City of Charlotte Owner-Occupied Housing Rehabilitation is open to homeowners in Charlotte, NC. It prioritizes low-income households.

How do I apply for City of Charlotte Owner-Occupied Housing Rehabilitation in Charlotte, NC?

Apply directly with City of Charlotte, Housing & Neighborhood Services using the official program link on this page or call 704-336-2754. 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

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