Mecklenburg County, North Carolina · Loan
Critical Home Repair (Mecklenburg County)
Run by Mecklenburg County Office of Housing and Community Development
Free urgent repairs, including HVAC, plumbing, electrical and roofing, for low- to moderate-income Mecklenburg County homeowners, done by partner nonprofits and funded as a forgivable loan.
Amounts
How much you get
Repairs are done at no cost to the homeowner. The county funds them as a forgivable loan that needs no repayment if you stay in the home at least 5 years after the repairs (or sell to an income-qualified buyer). The page gives no dollar limit.
Eligibility
Do I qualify?
You need to meet all 6 of these.
Your home is in Mecklenburg County, North Carolina.
Household income at or below 80% of area median income.
You must own the home and live in it.
Property taxes must be current.
You must have homeowners insurance or be willing to get it.
What to doBuy a homeowners insurance policy before the repairs.
The loan is forgiven only if you stay in the home at least 5 years after the repairs.
Equipment
What equipment counts
Applying
How to apply
Follow these steps.
- Choose a partner agency.
Rebuilding Together of Greater Charlotte (980-236-0979), Habitat for Humanity of the Charlotte Region (704-376-2054), Greater Matthews Habitat for Humanity (704-847-4266, for Matthews and Mint Hill residents) or She Built this City (818-963-5136).
- Apply directly with that agency.
The agency checks eligibility and guides you through the rest of the process.
- Repairs completed by the agency at no cost to you.
- Stay in the home 5 years so the forgivable loan is forgiven.
Forms and instructionsHome Sweet Home: Critical Home Repair Program Helps Seniors Stay in their Homes (January 7, 2026)
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 Critical Home Repair (Mecklenburg County) pay?
Repairs are done at no cost to the homeowner. The county funds them as a forgivable loan that needs no repayment if you stay in the home at least 5 years after the repairs (or sell to an income-qualified buyer). The page gives no dollar limit.
Is there an income limit?
Household income at or below 80% of area median income.
Do renters qualify?
You must own the home and live in it. The loan is forgiven only if you stay in the home at least 5 years after the repairs.
Is it still available?
Yes. It was open when we last checked, on October 25, 2026.
Plain words
Words used on this page
References
Sources
This page is built from these official pages, run by the program itself.
- Critical Home Repair (Mecklenburg County)
- Home Sweet Home: Critical Home Repair Program Helps Seniors Stay in their Homes (January 7, 2026)
When one of these pages changes, we re-check this page against it.
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