Raleigh Substantial Rehabilitation Program

City of Raleigh, Housing & Community Development

Available Home Repair

About This Program

The City of Raleigh's Substantial Rehabilitation Program provides deferred-payment, 0% interest loans up to $120,000 for senior or disabled low-income homeowners to address comprehensive home repair needs. Loans are forgiven after 5 years of continued occupancy. Eligible properties must be single-family homes, townhomes, or condos within city limits with assessed value at or below $384,750. Program is currently closed to new applications.

Estimate for senior homeowner needing major roof, HVAC, and structural repairs

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

Data last verified 2026-04-03. How we verify our data.

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

Key Details

  • Up to $120,000 at 0% interest, no monthly payments required
  • Loan forgiven after 5 years of continued occupancy
  • Must be age 62+ or have a qualifying disability
  • Own and occupy home for 5+ years; home value ≤$384,750
  • Currently closed to new applications, check for reopening

How to Apply

Get free help applying Visit Official Program Page Track this program

919-996-4330

A grant-savvy contractor in Raleigh, 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 Raleigh 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.
  • 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).
  • 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: Currently closed, monitor raleighnc.gov for next intake period

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