Elmira Owner-Occupied Housing Rehabilitation Program

City of Elmira Community Development (CDBG)

Available Home Repair

About This Program

Elmira Owner-Occupied Housing Rehabilitation Program is available to homeowners in Elmira, NY.

Provides zero-interest forgivable loans to income-eligible homeowners in Elmira city limits for major home repairs and rehabilitation. Loan is forgiven after 5 years of continued owner occupancy. Priority given to health and safety repairs.

Forgivable loan for major rehabilitation, no repayment if occupancy maintained 5 years

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

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

In Elmira, NY, 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 Elmira city limits
  • Forgiven after 5 years of continued occupancy
  • Priority for health and safety hazards

How to Apply

Get free help applying Visit Official Program Page Track this program

(607) 737-5691

A grant-savvy contractor in Elmira, NY 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 Elmira 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 year-round

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 Elmira Owner-Occupied Housing Rehabilitation Program provide in Elmira, NY?

Forgivable loan up to $35,000.

Who qualifies for Elmira Owner-Occupied Housing Rehabilitation Program in Elmira?

Elmira Owner-Occupied Housing Rehabilitation Program is open to homeowners in Elmira, NY. It prioritizes low-income households.

How do I apply for Elmira Owner-Occupied Housing Rehabilitation Program in Elmira, NY?

Apply directly with City of Elmira Community Development (CDBG) using the official program link on this page or call (607) 737-5691. 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 Elmira, NY contractors

Find More Programs in Elmira, NY

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

See All Programs