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Home Repair Loans & Barrier Free Grants

HOME REPAIR LOANS are available to qualified applicants who own and occupy a single family residence located within the City of St. Petersburg municipal boundaries. Loan applicants must meet minimum credit underwriting guidelines and total gross household income is limited to the Median Family Income (MFI) limits, as defined by the U.S. Department of Housing and Urban Development and established specifically to the geographic area of St. Petersburg. Assistance is only available to homeowners whose house value does not exceed $168,000.

For income limits adjusted to family size, View the Income Limits chart.

Housing repair loans provide the homeowner with the financial assistance necessary to remove health and life-safety risks from the home, and to correct code violations to an owner-occupied residence. Assistance is also available to identify and mitigate lead-based-paint hazards


HOME REPAIR LOANS 
address a leaking roof, electrical hazards, plumbing and sanitary sewer issues and other threatening perils that are an immediate detriment to household occupants.

  • 0% Interest Rate
  • Affordable monthly payments based on household income and ability to pay
  • Loan forgiveness after 15 years of on-time monthly payments

BARRIER FREE LOANS and GRANTS 

Physically, visually or hearing impaired home owners or renters and home owners may be eligible for financial assistance to construct and install ramps, grab bars, chair lifts, accessible counters, widened doorways, notification lights, buzzers and other supporting fixtures that render a home accessible for persons with disabilities. The maximum Grant available is $3,000. Assistance exceeding $3,000, up to a maximum of $15,000 is a Loan.

  • $3,000 GRANTS with no monthly payments
  • $3,000 to $14,000 forgiven loans also available

ALL LOANS ARE AT 0% INTEREST

For an application, call the city's HOUSING and COMMUNITY DEVELOPMENT DEPARTMENT, at 727-893-7247 or download the application here: HOME REPAIR APPLICATION

Housing Assistance Available for Persons with Special Needs Brochure

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