THDA Emergency Repair Program (ERP)

Tennessee Housing Development Agency

Available Emergency Repair

About This Program

THDA Emergency Repair Program (ERP) is available to homeowners in Memphis, TN.

Corrects life-threatening emergencies (roof collapse, HVAC failure, septic failure) for elderly (60+) or disabled low-income homeowners. Up to $25,000 per household. State allocated $2.7M for 2026. Administered regionally by MidSouth Development District in Shelby County.

Age 60+ or disabled; low income; life-safety emergencies only

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

Data last verified 2026-04-01. How we verify our data.

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

Key Details

  • Up to $25,000 for life-safety emergencies: roof, HVAC, septic
  • Age 60+ or disabled; low-income
  • Applications reopen August 2026
  • Contact MidSouth Development District: 901-432-4339

How to Apply

Get free help applying Visit Official Program Page Track this program

901-432-4339

A grant-savvy contractor in Memphis, 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 Memphis early keeps your application moving.

Get matched with a contractor

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).
  • Proof of age (driver's license or birth certificate) if the program is age-based.
  • Documentation of disability (award letter or a physician's statement) if the program is disability-based.
  • 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 reopen August 2026, administered through MidSouth Development District

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 THDA Emergency Repair Program (ERP) provide in Memphis, TN?

Up to $25,000.

Who qualifies for THDA Emergency Repair Program (ERP) in Memphis?

THDA Emergency Repair Program (ERP) is open to homeowners in Memphis, TN. It prioritizes low-income households. It serves seniors.

How do I apply for THDA Emergency Repair Program (ERP) in Memphis, TN?

Apply directly with Tennessee Housing Development Agency using the official program link on this page or call 901-432-4339. There is no middleman and no fee. Deadline: Applications reopen August 2026, administered through MidSouth Development District.

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