Wake County Major Home Repair Program

Wake County Government, Housing & Community Revitalization

Available Home Repair

About This Program

Wake County Major Home Repair Program is available to homeowners in Raleigh, NC.

Wake County's Major Repair Program is a pilot initiative offering deferred 0% interest loans up to $90,000 to low-income homeowners in Wake County outside city limits. Loans are forgiven over a 10-year period; homeowners who sell or move out must repay remaining balance. Covered repairs include roofing, HVAC, water heaters, septic systems, plumbing, foundation, flooring, and accessibility modifications. Cosmetic upgrades are excluded.

Estimate for comprehensive rehabilitation including roof, HVAC, and plumbing 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 $90,000 for major health, safety, and structural repairs
  • Income below 50% AMI; own home 10+ years
  • Must be in Wake County, not within City of Raleigh
  • Home's tax value must be below Wake County median
  • Email housing.rehab@wake.gov to apply; first-come, first-served

How to Apply

Get free help applying Visit Official Program Page Track this program

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.
  • 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, email housing.rehab@wake.gov with name, phone, address, and preferred contact time

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 Wake County Major Home Repair Program provide in Raleigh, NC?

Up to $90,000 (including closing costs and testing fees).

Who qualifies for Wake County Major Home Repair Program in Raleigh?

Wake County Major Home Repair Program is open to homeowners in Raleigh, NC.

How do I apply for Wake County Major Home Repair Program in Raleigh, NC?

Apply directly with Wake County Government, Housing & Community Revitalization using the official program link on this page. There is no middleman and no fee.

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