Chattanooga Owner-Occupied Rehabilitation Program

City of Chattanooga Neighborhood Services (CDBG)

Available Home Repair

About This Program

Chattanooga Owner-Occupied Rehabilitation Program is available to homeowners in Chattanooga, TN.

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

Official source site checked live on 2026-06-22.

Data last verified 2026-05-25. How we verify our data.

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

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

Get free help applying Visit Official Program Page Track this program

(423) 643-7400

A grant-savvy contractor in Chattanooga, TN 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 Chattanooga 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 applications, subject to fund availability

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 Chattanooga Owner-Occupied Rehabilitation Program provide in Chattanooga, TN?

Up to $30,000 forgivable loan.

Who qualifies for Chattanooga Owner-Occupied Rehabilitation Program in Chattanooga?

Chattanooga Owner-Occupied Rehabilitation Program is open to homeowners in Chattanooga, TN. It prioritizes low-income households.

How do I apply for Chattanooga Owner-Occupied Rehabilitation Program in Chattanooga, TN?

Apply directly with City of Chattanooga Neighborhood Services (CDBG) using the official program link on this page or call (423) 643-7400. 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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