Forsyth County, North Carolina · Loan
Housing Rehabilitation Program (Forsyth County)
Run by Forsyth County Community & Economic Development
Forsyth County financing, mostly interest-free forgivable loans, to repair homes owned and lived in by low-income households with special needs, including heating and cooling systems and energy-saving improvements.
Amounts
How much you get
Usually an interest-free loan that's forgiven over time if you keep living in the home (for example forgiven at $14,000 a year under the state Essential Single-Family Rehabilitation funds, or $5,000 a year for Urgent Repair loans, which are capped at $15,000). The amount depends on the repairs the home needs and the funding source.
Eligibility
Do I qualify?
You need to meet all 8 of these.
Your home is in Forsyth County, North Carolina.
Household income below 80% of area median income, for example $76,250 for a household of 4 (HOME limits effective June 1, 2026). Urgent Repair funds need 50% AMI or less.
People in your home Income at or below 1 $53,400 2 $61,000 3 $68,650 4 $76,250 5 $82,350 6 $88,450 7 $94,550 8 $100,650 You must own the home, live in it full time and be a full-time Forsyth County resident.
You must have lived in the home at least 6 months before applying.
You must have homeowner's insurance and be current on mortgage payments and property taxes (a current payment plan with the tax department counts).
What to doGet homeowner's insurance and catch up on, or set up a payment plan for, property taxes before applying.
The home's assessed value can't be more than $268,000.
Manufactured homes qualify only if permanently affixed to land the owner owns. Condos and townhomes aren't eligible. The home can't be in a flood hazard area.
Some funding sources serve only Forsyth County residents outside Winston-Salem and Walkertown, and are aimed at elderly (62+), disabled and veteran households and households with a child under six exposed to lead hazards.
Equipment
What equipment counts
Applying
How to apply
Follow these steps.
- Check pre-eligibility on the county's Housing Rehabilitation page.
- Call for an eligibility phone interview and request an application.
Call the Community & Economic Development Administrative Assistant at 336-703-2684.
- Return the full application with all documents.
Incomplete applications aren't processed.
- Eligible households are placed on a priority-ranked wait list.
- Inspection, bidding and repairs.
Forms and instructionsForsyth County Housing Rehabilitation Program 2025-2026 Assistance Policy
Questions about applying336 703 2680 or ForsythCED@forsyth.cc
Stacking
Use it with
Your address
Next steps
Check that it covers your address. Then, if you want, ask for a contractor quote.
Is it available at your address?
Before anything else
Your quote request is in If a contractor we work with serves your ZIP, they can contact you. We take one request per person; contact us to change it.
Get an email if this program changes
We'll write if its amount, status or deadline changes. Nothing else.
FAQ
Questions
How much does Housing Rehabilitation Program (Forsyth County) pay?
Usually an interest-free loan that's forgiven over time if you keep living in the home (for example forgiven at $14,000 a year under the state Essential Single-Family Rehabilitation funds, or $5,000 a year for Urgent Repair loans, which are capped at $15,000). The amount depends on the repairs the home needs and the funding source.
Is there an income limit?
Household income below 80% of area median income, for example $76,250 for a household of 4 (HOME limits effective June 1, 2026). Urgent Repair funds need 50% AMI or less.
Do renters qualify?
You must own the home, live in it full time and be a full-time Forsyth County resident. You must have lived in the home at least 6 months before applying.
Is it still available?
Yes. It was open when we last checked, on October 25, 2026.
Plain words
Words used on this page
- AMI
- Area median income: the middle household income where you live, set each year by HUD.
References
Sources
This page is built from these official pages, run by the program itself.
- Housing Rehabilitation Program (Forsyth County Community & Economic Development)
- Forsyth County Housing Rehabilitation Program 2025-2026 Assistance Policy
When one of these pages changes, we re-check this page against it.
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