Urgent Repair Program

The North Carolina Housing Finance Agency makes Urgent Repair Program funds available to qualified organizations during each funding cycle to finance emergency home repairs and modifications for low-income homeowners with special needs. Nonprofit organizations, local governments and regional councils of governments can use the funds to provide deferred, forgiven loans of up to $12,000 to qualified homeowners for emergency repairs.

Four Square Community Action (FSCA) has been awarded $264,000 by the North Carolina Housing Finance Agency ("NCHFA") under the 2024 cycle of the Urgent Repair Program ("URP24"). The Urgent Repair Program (URP) finances emergency home repairs for North Carolina homeowners who are elderly or have special needs and whose incomes are below 50% of the median for their area. Emergency repairs correct housing conditions that threaten your life or safety, such as leaking roofs, failing septic systems, dangerous heating systems or rotten floors. The program can also pay for accessibility modifications that allow you to remain in your home after an injury or serious illness. If you are approved, you could receive assistance in the form of an interest-free, deferred loan, forgiven at $3,000 a year to pay for necessary repairs. A total of at least 22 households will be assisted under URP24 throughout the four county service area.

To be eligible for assistance under URP24 applicants:

1. must reside within one of the four county limits of Cherokee, Clay, Graham, or Swain and own and occupy the home in need of repair.
2. must have a household income which does not exceed 50% of the Statewide median income for the household size (see URP24 Assistance Policy for income limits)
3. must have a special need:
   1. be elderly, > 62 years old
   2. handicapped or disabled
   3. a single parent with a dependent living at home
   4. a Veteran, a large family with >5 household members
   5. a household with a child below the age of six with lead hazards in the home
4. must have urgent repair needs, which cannot be met through other state or federally funded housing assistance programs.

Documents