Housing rehabilitation loan and grant programs

Program basics

  • Provide funds in the form of loans and/or grants to income-eligible owner-occupants to assist with repair, rehabilitation, and/or reconstruction of homes.
  • Some programs tie funding to specific forms of home improvement, like insulation, plumbing, or mold removal.

Strength of evidence

Evidence level: Proven (highest tier)


Proven (highest tier)

Ranked as having the highest level of evidence by County Health Rankings and Roadmaps

Target population

Low- and moderate-income adults and families

Program cost

Not available

Implementation locations

  • Nationwide

Dates active


Outcomes and impact

  • Can decrease disparities in access to quality housing and housing-related health outcomes
  • Positive impacts on the stability and quality of neighborhood housing
  • Health benefits are particularly strong when focused on increasing housing insulation and warmth
  • Correlated with improvements in school attendance, work attendance, frequency of doctor’s visits, and reduced hospitalizations

Keys to successful implementation

  • Define a set of priorities and corresponding criteria for targeting and selecting loan and grant applicants, such as home safety, habitability, energy efficiency, and/or accessibility.
  • Clearly communicate loan and grant applicant eligibility criteria, including income, family size, age (such as a program for senior housing), and other factors that align with policy priorities and community needs.
  • Consider tailoring grants or loans to meet specific needs within a community, such as lead remediation for communities with older housing stocks, mold remediation in humid climates, and more.
  • Ensure the program offers large enough loans and grant awards to allow recipients to fully mitigate health risks; while costs vary, successful grant programs have awarded as much as $7,500, while loans have reached $20,000.
  • Consider offering and encourage applicants to apply for both grants and loans, and to consider funding home improvements using a combination of both if they are able to repay part of the loan.
  • Coordinate across local agencies to ensure program implementation aligns with policy priorities across housing, planning and zoning, taxation and finance, and more.

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