If you represent a local government or other non-profit housing repair organization seeking sources of funding housing repairs in North Carolina, this page is for you.
The North Carolina Housing Finance Agency (the Agency) proposes to make a total of $9.24 million in funds available to eligible organizations for the rehabilitation of owner-occupied homes in selected counties under the 2028 cycle of the Essential Single-Family Rehabilitation Loan Pool (ESFRLP).
Under the 2028 cycle (ESFRLP28) funds will be made available to organizations to serve homeowners in the following counties: Alleghany, Anson, Brunswick, Caldwell, Chowan, Clay, Craven, Davidson, Durham, Guilford, Henderson, Hertford, Johnston, Lincoln, Macon, McDowell, Mecklenburg, Moore, Nash, Northampton, Onslow, Orange, Pamlico, Perquimans, Person, Pitt, Rowan, Sampson, Scotland, Stanly, Vance, Washington and Yancey.
ESFRLP funds may not be used to assist households residing within the large CDBG Entitlement cities of Charlotte, Durham, Greensboro, Raleigh and Winston-Salem. Only applications proposing to serve an entire county, excluding the five cities listed, will be considered for funding; a separate application must be submitted for each county an organization seeks to serve.
It is the Agency’s intent to serve 33–34 counties each year, on a three-year rotating basis (contingent on the continuing availability of HOME program funds). Successful applicants will be awarded a set-aside of $182,000 for the rehabilitation of eligible units, with the option of receiving additional funds on a first-come, first-served basis.
The focus of the program is on financially feasible, essential rehabilitation. ESFRLP funds are targeted to owner-occupied units. Homes must be occupied by households with elderly, disabled and/or Veteran fulltime household members or a child six years old or younger with lead hazards. Household incomes must be at or below 80% of the area median income. Nonprofit organizations, local governments and regional councils of government are eligible to apply for ESFRLP funding. Applicants must show that they have the organizational capacity to manage this program and experience with housing rehabilitation assistance. If two or more eligible entities apply to serve a given county, more than one applicant may be approved.
Potential applicants are encouraged to register for the ESFRLP28 Application Guideline Webinar which will be hosted on Tuesday, January 27, 2026 from 1–3 pm. Only entities proposing to serve counties listed above will be considered for funding. You can register for the ESFRLP28 Application Guideline Webinar by clicking the following link: ESFRLP28 Application Guideline Webinar.
Application forms and guidelines will be available on the Agency’s website at www.nchfa.com on or after January 16, 2026. Completed applications must be received by the Agency by 5:00 pm Friday, March 6, 2026. For more information about the ESFRLP, please call Donna Coleman, 919-981-5006; Mike Handley, 919-877-5627; Chuck Dopler, 919-981-5008; Dan McFarland, 919-875-3753 or Sarah Zinn, 919-578-3580.
You can find the basic required and model documents for current and past cycles on the ESFRLP Forms and Resources section of this website.
If you are a homeowner seeking assistance with repairs to your home:
- You can navigate to our organizational lookup tool here: ESFR Organizations by County
- You can send an email to @email. Please state the county you live in.