Harris County Owner-Occupied Rehabilitation Loan

Harris County Community Services Department

Available Home Repair

About This Program

Harris County Owner-Occupied Rehabilitation Loan is available to homeowners in Cypress, TX.

Forgivable loan for major home rehabilitation in Harris County for households at or below 80% AMI. Loan is forgiven after 10 years of continued owner-occupancy and property tax/insurance compliance.

Forgivable loan, no repayment required if you remain in home 10 years

Official program page checked live on 2026-06-22.

Data last verified 2026-06-09. How we verify our data.

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

Key Details

  • Forgivable loan up to $35,000 for major repairs
  • Income at or below 80% AMI required
  • Must be owner-occupied in Harris County
  • Forgiven after 10 years of compliance
  • Covers foundation, roofing, systems, structural work

How to Apply

Get free help applying Visit Official Program Page Track this program

(713) 274-5300

A grant-savvy contractor in Cypress, 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 Cypress 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: Applications accepted on rolling basis

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 Harris County Owner-Occupied Rehabilitation Loan provide in Cypress, TX?

Forgivable loan up to $35,000.

Who qualifies for Harris County Owner-Occupied Rehabilitation Loan in Cypress?

Harris County Owner-Occupied Rehabilitation Loan is open to homeowners in Cypress, TX. It prioritizes low-income households.

How do I apply for Harris County Owner-Occupied Rehabilitation Loan in Cypress, TX?

Apply directly with Harris County Community Services Department using the official program link on this page or call (713) 274-5300. 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 Cypress, TX contractors

Find More Programs in Cypress, TX

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

See All Programs