City of Phoenix Neighborhood Services Department
City of Phoenix Owner-Occupied Housing Rehabilitation Program (OOHRP) is available to homeowners in Phoenix, AZ.
Provides zero-interest, forgivable deferred loans to low- and moderate-income homeowners citywide to repair critical home systems including electrical, plumbing, mechanical, roofing, and structural hazards. Funded by HUD Community Development Block Grant (CDBG) and HOME Investment Partnership funds. Must own and have lived in the home at least one year; income must be at or below 80% Area Median Income ($89,750/year for a family of four as of mid-2025).
Forgivable deferred loan, no repayment if you remain in the home. Grants up to $15,000 recorded as a 5-year forgivable lien; amounts up to $25,000 recorded as a longer-term lien.
Official program page checked live on 2026-06-22.
Data last verified 2026-04-03. How we verify our data.
In Phoenix, AZ, you can combine this program with other local help to cut your cost:
A grant-savvy contractor in Phoenix, AZ 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 Phoenix early keeps your application moving.
Get matched with a contractorThis 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.
Documents you will likely need
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, subject to funding availability
Ask us. It is free, and a real person answers within a business day.
Email us about this programUp to $25,000.
City of Phoenix Owner-Occupied Housing Rehabilitation Program (OOHRP) is open to homeowners in Phoenix, AZ. It prioritizes low-income households.
Apply directly with City of Phoenix Neighborhood Services Department using the official program link on this page or call 602-534-4444. There is no middleman and no fee.
Grant-approved contractors understand the documentation, inspections, and timelines, so your funding releases on schedule.
Rebates and discounts that stack on top of any grant. Most are free to use.
This is just one of many grants, rebates, and free programs available. Stack them together to maximize your savings.
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