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SFRRP – Eligibility and How to Apply


Under the SFRRP Program, DHCD provides funding of loans and grants, not to exceed a total of $75,000, to the household. The program provides financing through 0% - 3% amortized loans, for up to 20 years and deferred loans (not payable until the home is sold, transferred or refinanced).

Under the SFRRP umbrella, homeowners can use the funding for two of the following grant programs:

  • A Roof Repair grant of up to $15,000 to replace the roof. This grant pays for exterior roofing and gutter work only.
  • The “Handicapped Accessibility Improvement Program” (HAIP), provides a grant of up to $30,000 for accessibility modifications needed to adjust most physical barriers within a home for persons with mobility or other physical impairments. In addition, households where the head of household is 62 years or older may have the first $10,000 of assistance provided as a permanently deferred loan. Deferral of additional amounts will be considered on a case-by-case basis.

Program Process

The household can utilize any qualified licensed and certified contractors to carry out the work. DHCD refines the initial project scope of work, reviews the contractor’s bid and administers the project. All funding of contracts are between the household and DHCD; all rehabilitation, work inclusive of roof replacement’s and handicapped accessibility contracts, are between the household and the contractor.


Eligible applicants must:

  • Own and live in their homes as their primary residence for at least 3 years
  • Be current on all District and federal taxes
  • Be unable to obtain private financing for the needed repairs
  • Have an acceptable credit report
  • Have current homeowners insurance

Have household incomes that are no greater than the levels shown below:

How to Apply

To apply for SFRRP assistance or to receive additional information, please contact one of these community based organizations.