Rehabilitation Grants and Loan Programs[cite::98::cite]

Check out the many options open to you if you are looking for a Rehabilitation grant or a loan program.

Loan Programs for Remodeling

Construction Loans

A one-time close construction program can be used to remodel your existing home. A one-time close loan is a combination of a long-term loan and a construction loan with one closing. The-long term loan is closed before construction can begin. A Construction Rider is attached to the Security Instrument and Note during the construction phase, which states the terms of the construction loan. At the end of the construction term, this Construction Rider dissolves and the note becomes a fully amortizing conventional loan.

FHA Program Loans

The rehabilitation and repair of properties, through an FHA program, is called a Section 203K. The borrower is able to obtain just one long-term mortgage loan to finance the remodeling project. The loan amount is based upon the projected value of the property with the work completed.

VA Loans

VA loans may include the cost of remodeling and rehabilitation provided that the property value supports the loan amount.

Quick Tip: Know Your ROI

Before you remodel, consider the return on your investment. See the 6 interior home remodeling projects that give the best bank for the buck article on

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Utah Rehabilitation Grants and Programs

For more detailed information and applications on the grants and programs listed, please contact the appropriate housing authority. Click on the counties below for more information.

The Southern Utah Housing Authority offers 1 to 3% interest rate on loans used for home rehabilitation or reconstruction. Common repairs include roof, windows, plumbing, electrical, updated heating system, making home wheelchair accessible or eliminating any unsafe conditions. Must be at or below 80% of the median income level.

The Bear River Association of Government offers a Single Family Rehabilitation and Reconstruction Program or Emergency Home Repair Grant up to $2,000 for minor home repairs that pose a potential health and safety threat. Must be low- to moderate-income level. Repair projects include roof, bathroom, water, electrical systems, septic systems and water hookup repairs.

The Davis County Housing Authority offers low interest loans to low- to moderate-income families throughout Davis County to rehabilitate their homes. Rehabilitation may include repairs to correct code violations, replacement of mechanical systems and remodeling for wheelchair access. An Emergency Home Repair program is also available to low-income, elderly or disabled homeowners for repairs that require immediate attention.

Visit the Davis County Housing Authority to learn more.

The Community Development Corporation of Utah offers 0 to 3% interest rate loans up to $15,000 for moderate- to low-income families and seniors for home improvements. In addition, $8,000 in grant money is available to improve the energy efficiency of a home. Grants are available for all Salt Lake County homeowners, including all 16 unincorporated cities.

Visit Community Development Corporation of Utah to learn more.

Provo offers an Emergency Home Repair grant of up to $5,000 for properties owned and occupied by low- to very-low income people 60 years and older or low- to moderate-income households owned and occupied by active-duty military within Provo City limits. Repairs must be a health or safety emergency.

Visit Provo’s web site to learn more and apply.

West Jordan’s Housing Rehabilitation Program offers low-interest loans to homeowners living within West Jordan to bring existing homes up to the Department of Housing and Urban Development’s Minimum Property Standards. Loans are for a 10 to 20 year period at a 5% interest rate. Seniors and disabled persons may qualify for a 0% interest deferred loan with no payments required until the home is disposed of. 

Visit West Jordan’s web site for details and other available programs.

West Valley offers up to $25,000 at 0 to 3% interest rate for home rehabilitation, accessibility modifications, code violations of health, safety concerns and/or energy improvements. Applicants must be at or below 80% median income and credit scores of 550 or better. Loan to value is restricted to 95%.

Visit West Valley’s web site for details and other programs.

Quick Tip: Know Your Grants

Rehabilitation grants and loans are often different than weatherization grants and loans. Sometimes they can be used in conjunction with one another. Contact your housing agency for specifics on each program. For more Information on the Housing Rehabilitation Loan Program click on the link below.

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