Urgent Repair Program

The North Carolina Housing Finance Agency (the Agency) makes Urgent Repair Program funds available to qualified organizations during each funding cycle to finance emergency home repairs and modifications for low-income homeowners with special needs. Nonprofit organizations, local governments and regional councils of governments can use the funds to provide deferred, forgiven loans of up to $12,000 to qualified homeowners for emergency repairs. For 2025-2026 funding cycle, the loan amount will increase to $15,000.

Your organization may be eligible to receive up to $264,000 for projects serving two or more counties and $132,000 for projects serving a single county. For the 2025-2026 funding cycle, the award amounts will increase to $330,000 for two or more counties and $165,000 for projects serving a single county. 

If you are a homeowner, please contact Gloria Moore at 919-981-2623 or [email protected] to be connected to a partner that can assist with housing repairs.

Is My Project Eligible?

To be qualified to receive URP funds, your organization and project must meet the following criteria:

  • Units must house one or more full-time household members with special needs (e.g. elderly, disabled, veteran or a child six years of age or younger with an elevated blood-lead level).
  • Household income must not exceed 50% of area median income.
  • Applicants must cover service areas with a population of 5,000 or greater.
  • Your organization must have the technical capacity to manage residential construction projects.
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North Carolina Housing Finance Agency / 3508 Bush Street / Raleigh, NC 27609 / 919-877-5700

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All information contained on the following Web pages is obtained from the Agency’s books and records, and is believed to be accurate and reliable. Reference should be made to the official statement and operative documents of each series of bonds referred to herein for complete information on that issue. Because of the possibility of human and mechanical error as well as other factors, this information is provided "as is" without warranty of any kind and no representation or warranty, expressed or implied, is made, nor should any be inferred, as to the accuracy, timeliness, or completeness of this information. Under no circumstances shall North Carolina Housing Finance Agency have any liability to any person or entity for (a) any loss or damage in whole or part caused by, resulting from, or relating to any error (on account of neglect or otherwise) or other circumstance involved in procuring, collecting, compiling, interpreting, analyzing, editing, transcribing, transmitting, communicating or delivering this information, or (b) any direct, indirect, special, consequential, or incidental damages whatsoever, even if North Carolina Housing Finance Agency is advised in advance of the possibility of such damages, resulting from the use of, or inability to use, any such information. This information relates to bond issues of the North Carolina Housing Finance Agency that have been sold and distributed in underwritten public offerings described in the related official statements. Each viewer of the aforementioned information acknowledges that (i) the North Carolina Housing Finance Agency is not now by this document offering any bonds or other securities, nor soliciting an offer to buy any securities, (ii) this information is not to be construed as any description of the North Carolina Housing Finance Agency-such offerings are only made pursuant to the appropriate official statements of the North Carolina Housing Finance Agency, (iii) the information provided speaks only as of the date thereof and the North Carolina Housing Finance Agency has not in any way undertaken to update such information, and (iv) no representation is made as to the propriety or legality of any secondary market trading of the bonds or other securities of the North Carolina Housing Finance Agency by anyone in any jurisdiction. The financial condition of the North Carolina Housing Finance Agency may have changed since the date this information was prepared.

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