Getting a house comes with lots of responsibilities, especially with the roof since it is one of the most expensive things to maintain; however, if you do not have enough money to pay for a new one, you can search for government grants for roof replacement.
The United States provides several programs to help with this issue, but first, you need to make sure if the one you like is available in your state, check if you are eligible, and then submit the paperwork.
For your convenience, we have summarized here the best grants that will surely help you.
Types of grants for roof replacement
The roof is an essential part of any house because it gives privacy to the family and protects it from natural hazards, such as bad weather or wild animals. This is why the US government has developed different assistance programs to help with this.
While some grants cover the replacement expenses, some others can help you to get a completely free roof for your house.
Here you can find the best of them:
For individuals and families
1. Weatherization Assistance Program
This is the most ‘famous’ grant in the US; it is designed specifically for:
- Disabled people (mentally or physically).
- Single parents.
- Families with low income and dependent children.
- Families with at least one disabled member (mentally or physically).
They usually cover all the costs of a repair, but they also accept cases of updating or remodeling if it is for ecological and sustainable purposes.
It is managed by the Department of Energy and you can see the rest of the requirements and how to apply here.
2. Section 504 Home Repair Program
It is also called ‘Single Family Home Repair Loans and Grants’ and the Department of Agriculture is in charge of it.
The eligibility is almost the same as the first one, but they put more emphasis on elderly homeowners (of 62 years or more). Also, you can apply to repair your roof or modernize it if it is really necessary.
You must contact your local Rural Development office and submit forms RD 410-4, RD 3550-1, RD 3550-4, and the checklist of other items to prove your current status (such as pay stubs, Federal IRS tax returns, bank statements, ID, etc).
Go to this website for further information.
3. Single Family Residential Rehabilitation Program
Disclaimer: only available for the District of Columbia.
This is one of the grants for roof replacement that focus more on people with physical or mental impairments. It is sponsored by the Department of Housing and Community Development, and it provides two types of assistance:
- Roof repairs: Up to $20,000 on replace or repair work (only the external part, including the gutters).
- Accessibility Improvements: Up to $30,000 on house adjustments for people with limited mobility and physical disability.
To apply, the first step is to contact one of their Community Based Organizations; they will guide you through the whole process, check here.
1. The Housing Preservation Grant
Besides individuals and families, some groups can receive grants for roof replacement in order to help low-income citizens; these groups are: tribal communities, low-income or non-profit organizations, and state and local entities.
All applicants must prove that they have enough experience in house rehabilitation and replacement, report their progress every three months, and accept any type of audit.
The funds are given by the Rural Development of the Department of Agriculture and should be used to cover -primarily- the repair expenses, professional fees, and other administrative stuff.
If you want more information about other requirements and the application process, check their official website here.
2. The Neighborhood Stabilization Program
Similar to the one above, this program is only for groups that offer housing assistance; you cannot apply as an individual. Funds are provided by the Department of Housing and Urban Development, and it is available for every state.
Since it is designed to give safety and better living conditions for neighborhoods, you must be an authorized organization; be sure to check if you are eligible.
On the other hand, the requirements are almost the same as the Housing Preservation Grant, but you can find the detailed process and contact information here.
Repairing a roof is generally expensive, but the final cost will depend on its size, materials, and the problem itself; maybe you just need to cover a gap or change the entire ceiling, each case is different. In consequence, you must know that people with more vulnerable roofs are more likely to receive the grant.
Besides, since many people want the assistance, the application might be a little slow; the program’s representatives read and analyze every request carefully, so be patient.
After all, if you are chosen to receive one of the grants for roof replacement, the work process can also take a while depending on the severity of the problem.