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Apply for Safe Home Rehabilitation program

The Safe Home Housing Rehabilitation Program provides deferred loans to low-income homeowners to address needed home repairs. The program seeks to correct code and incipient violations (items in a house that will need to be repaired or replaced in two to three years) and make general property improvements. The program serves single-family owner-occupied dwellings.
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How to apply

  1. The City of Charlotte's Safe Home Program (Safe Home) provides repairs that:

    1. Bring the home into compliance with the City of Charlotte's Minimum Housing Code.
    2. Mitigate exposure to lead-based paint.
    3. Mitigate health and safety hazards in the home.
    4. If funds are available, provide energy efficiency and water-saving retrofits.

  2. Eligibility

    • The home must be owner-occupied and located within the City of Charlotte.
    • The applicant(s) must not have received Housing Rehabilitation assistance within the last 10 years, or LeadSafe Charlotte assistance during the current grant cycle.
    • The household must be low-income (below 60% of Area Median Income, as defined by HUD Part 5). Households participating in the LeadSafe Charlotte Program may qualify with an income up to 80% AMI.
    • The property must not be located in a floodplain.
    • The applicant(s) must have lived in the home for at least one year prior to applying.
    • The property must not have unpaid taxes beyond the current year plus one prior year and no outstanding federal, state, or local liens.
    • The property must be free of excessive clutter that would prevent safe rehabilitation work.

  3. In addition to the above, at least *one* of the following conditions must be met:

    • Previously served by the Duke Energy Efficiency High Usage Program.
    • Referred by a Community Health Worker (applicant must reside in the Washington Heights, Winterfield, or Hidden Valley neighborhoods).
    • The home is occupied by one or more persons, including an adult or child with a permanent or long-term disability, or a physical impairment that impedes daily living (the child must reside in the home at least 50% of the time).
    • The household member must receive Veterans benefits, Social Security Disability (SSD), long-term disability income from an employer or insurer or provide a formal notice from a physician.
    • The household meets LeadSafe Charlotte eligibility requirements.

  4. Documents needed

    None at this time. Documents to verify income will be requested by City staff following this initial application.

  5. Next steps

    You can expect to hear from a member of our team within 24-48 hours regarding the status of your application.

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