New Hanover, North Carolina · Loan
Minor Housing Repair Forgivable Loan (City of Wilmington)
Run by City of Wilmington Housing Division
Forgivable loan of up to $10,000, with no payments, for minor repairs such as a new roof or air conditioner repair, for Wilmington homeowners at or below 50% of area median income.
Amounts
How much you get
Forgivable loan of up to $10,000 with no payments required, secured by a promissory note and deed of trust for three years.
Eligibility
Do I qualify?
You need to meet all 4 of these.
Your home is in New Hanover, North Carolina.
Household income at or below 50% of area median income.
You must own the home, live in it inside Wilmington city limits, and have owned and lived in it at least one year.
Applicants must attend the Homeowner's Maintenance Workshop to qualify.
What to doAttend the city's next Homeowner's Maintenance Workshop after applying.
Equipment
What equipment counts
Applying
How to apply
You apply by phone.
- Call the city's Housing Division to apply.
Call 910-341-7836.
- Submit the housing programs application and the owner-occupied rehab addendum.
- Attend the mandatory Homeowner's Maintenance Workshop.
- The city inspects the home, writes up the repairs and gets bids.
You choose the contractor and approve payments after the work is done.
Forms and instructionsHousing Rehabilitation Options for Homeowners (City of Wilmington flyer)
Questions about applying910-341-7836
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 Minor Housing Repair Forgivable Loan (City of Wilmington) pay?
Up to $10,000 loan.
Is there an income limit?
Household income at or below 50% of area median income.
Do renters qualify?
You must own the home, live in it inside Wilmington city limits, and have owned and lived in it at least one year.
Do I need approval before I buy?
Applicants must attend the Homeowner's Maintenance Workshop to qualify. Attend the city's next Homeowner's Maintenance Workshop after applying.
Is it still available?
Yes. It was open when we last checked, on October 25, 2026.
Can I pick my own contractor?
Yes. The city prepares the list of repairs and gets bids, and you select the contractor and authorize payments after the work is done.
Can I use it for remodeling or an addition?
No. Remodeling projects and home additions aren't eligible.
Plain words
Words used on this page
References
Sources
This page is built from these official pages, run by the program itself.
- Owner Occupied Rehabilitation (City of Wilmington)
- Housing Rehabilitation Options for Homeowners (City of Wilmington flyer)
When one of these pages changes, we re-check this page against it.
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