North Carolina HOME Rehabilitation Program

NC Housing Finance Agency (HOME funds)

Available Home Repair

About This Program

North Carolina HOME Rehabilitation Program is available to homeowners in Lumberton, NC.

Federal HOME Investment Partnerships Program funds administered by NC Housing Finance Agency to rehabilitate owner-occupied homes for low-income households. Forgivable loan for major repairs and improvements. Loan forgiven after affordability period (typically 5-10 years based on amount).

Forgivable loan, no repayment if you remain in home through affordability period

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

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

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

Key Details

  • Forgivable loan up to $30,000
  • Income at or below 80% AMI required
  • For major home repairs and improvements
  • Forgiven after 5-10 year affordability period
  • Administered locally through Lumber River COG

How to Apply

Get free help applying Visit Official Program Page Track this program

(919) 877-5700

A grant-savvy contractor in Lumberton, 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 Lumberton 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: Check with Lumber River COG for local availability

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 North Carolina HOME Rehabilitation Program provide in Lumberton, NC?

Up to $30,000 forgivable loan.

Who qualifies for North Carolina HOME Rehabilitation Program in Lumberton?

North Carolina HOME Rehabilitation Program is open to homeowners in Lumberton, NC. It prioritizes low-income households.

How do I apply for North Carolina HOME Rehabilitation Program in Lumberton, NC?

Apply directly with NC Housing Finance Agency (HOME funds) using the official program link on this page or call (919) 877-5700. 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 Lumberton, NC contractors

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