NC Urgent Repair Program (NCHFA / URP)

NC Housing Finance Agency (NCHFA)

Available Home Repair

About This Program

NC Urgent Repair Program (NCHFA / URP) is available to homeowners in Raleigh, NC.

The NC Urgent Repair Program (URP) provides deferred forgivable loans up to $15,000 per household for emergency health and safety repairs to owner-occupied homes. Administered by NCHFA through local nonprofits, the program targets very low-income households (at or below 50% AMI) and focuses on imminent hazards such as roof failures, HVAC outages, and structural deficiencies. Loans are forgiven at $5,000 per year.

Estimate based on maximum URP award for emergency roof and HVAC repair

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 $15,000 for urgent health and safety home repairs
  • Income at or below 50% AMI required
  • Loan forgiven at $5,000 per year of continued occupancy
  • Covers roof, HVAC, electrical, plumbing emergencies
  • Contact NCHFA or local administrator for intake

How to Apply

Get free help applying Visit Official Program Page Track this program

919-877-5700

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.
  • 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: Rolling, contact local NCHFA-partnered administrator

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 NC Urgent Repair Program (NCHFA / URP) provide in Raleigh, NC?

Up to $15,000 per household.

Who qualifies for NC Urgent Repair Program (NCHFA / URP) in Raleigh?

NC Urgent Repair Program (NCHFA / URP) is open to homeowners in Raleigh, NC. It serves seniors.

How do I apply for NC Urgent Repair Program (NCHFA / URP) in Raleigh, NC?

Apply directly with NC Housing Finance Agency (NCHFA) using the official program link on this page or call 919-877-5700. There is no middleman and no fee.

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