The Ultimate New Home Checklist
Moving into a new house can be daunting—but it doesn’t have to be. Here’s a checklist for pre- and post-move, and a list of items you’ll need for every room in the home.
If you have a house in need of repair, there are government-sponsored programs that can help those who qualify. These grants are not for those who simply want to remodel their home—these grants are for people who really need them. These grants are meant to help community members obtain safe and sanitary housing for themselves and their families.
Read more: The 7 Best Home Warranty Companies
A home repair grant is financial aid, or free money, issued by federal and local governments. Each grant is designed to help homeowners make select improvements to their home, often to correct health and safety hazards.”
There are numerous home repair grants and home improvement grants, each designed for use by different groups of people and communities. Grant eligibility will vary by type, but it’s generally dependent on income, location, and project details that the money would be allocated to.
Who is Eligible? | Low-Income Seniors |
Eligibility Criteria
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Coverage
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Money Available | Max of $7,500 |
Terms of Grant | If property is sold in less than 3 years, grants must be repaid |
Application | Apply at your local USDA Rural Development (RD) office
What you’ll need:
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Deadline | Accepted year-round |
Non-discrimination |
Who is Eligible? | Veterans/Military |
Eligibility Criteria
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Veterans or Service members with disabilities who have experienced one or more of the following conditions:
For additional eligibility information, contact: sahinfo.vbaco@va.gov |
Coverage |
Purchases, construction, or renovations of a home to be disability-adapted |
Money Available |
Max of $39,669 |
Terms of Grant |
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Application
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To apply, complete: Application Form
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Deadline | None listed, but in accordance with the fiscal year due to funding made available |
Who is Eligible? | American Indians/Alaskan Natives |
Eligibility Criteria | Must be one of the following:
Must be all of the following:
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Coverage
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Money Available |
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Terms of Grant |
HIP Frequently Asked Questions: View here |
Application
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To apply for HIP assistance, submit the following documents to your tribal office:
For other questions:
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Deadline | There is no deadline |
Who is Eligible? | Those Affected by Natural Disaster |
Eligibility Criteria |
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Coverage
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Money Available | Up to $33,000 |
Terms of Grant
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Insurance
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Application
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To Apply: Complete Application Form
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Deadline | None listed |
Non-discrimination | Non-discrimination statement: View here |
Who is Eligible? | States/Nonprofits |
Eligibility Criteria |
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Coverage | Used for those investing in the creation of affordable housing purchases, construction, or rehabilitation for low-income people |
Money Available |
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Terms of Grant
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Application | To see who administers the HOME program in your area: View here
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Deadline | None listed |
Non-discrimination |
Who is Eligible? | Communities |
Eligibility Criteria | Applicants should be communities looking to address development needs |
Coverage
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Money Available |
Varies, depending on the project |
Terms of Grant |
At least 70% of funds must be used for low- and moderate-income individuals |
Application | HUD field office |
Deadline | None listed |
Non-discrimination |
If a home repair grant isn’t the right fit for you, there are other options available:
The state, local, and federal government provides loans for many different types of people and circumstances. There are home repair grants for senior citizens, mobile homeowners, disabled veterans, low-income Native Americans, homeowners dealing with disaster recovery, entire communities, and low-income people in rural areas. To determine if you’re eligible, there’s a useful tool available on the grants.gov website. Under the “Search Grants” tab, select “Individuals” to narrow your search results.
Home repair grants can be found on the following websites:
When applying for a grant, educate yourself on the full requirements for eligibility and gather all of the necessary documentation you may need to qualify. Keep in mind that grants can be limited and typically only select eligible applicants are chosen. Additionally, check the corresponding website to stay on top of deadlines to submit. Then, be patient—it can take time for the government to gather the money to disburse to you.
Be wary of a contractor who does any of the following:
Need a trusted home warranty company? Read our Choice Home Warranty review.
If you’ve experienced a home repair scam, report it to your state consumer-protection agency.
Looking for some help with home repairs and maybe save a little money at the same time? Consider a home warranty. Check out our in-depth reviews to see which one may be right for you — all of them offer free quotes!
The Ultimate New Home Checklist
Moving into a new house can be daunting—but it doesn’t have to be. Here’s a checklist for pre- and post-move, and a list of items you’ll need for every room in the home.
Are Home Improvements Tax-Deductible?
The line between home repairs and home improvements can be thin, so it’s important to know the difference between them and which one qualifies for tax deductions.
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