The main program that offers senior citizens home repair loan and grants, the Very Low-Income Housing Repair Program, is offered by the federal government. Seniors can also check with their state and local charities and foundations to determine what type of home-repair grant services are offered.
The federal government offers senior citizens who live in eligible areas and meet the low-income requirements certain federal grants and loans for home repairs. As of 2015, there are home repair loans up the $20,000 and home repair grants up to $7,500 available to people aged 62 and older. The United States Department of Agriculture and Rural Development offices administers the Very Low-Income Housing Repair Program.
Each individual state may offer some type of loan or grant program to help seniors pay for home repairs. In Boston, Massachusetts, citizens have access to the Greater Boston Senior Home Repair Collaborative, which enables disadvantaged Boston-area senior citizens to live independently and securely in their home by offering money for the repair and replacement of broken faucets and toilets, unclogging of drains, handrail and grab bar installation, and repairing interior or exterior stairs. AARP also has grants through Habitat For Humanity, which allows eligible low-income homeowners over the age of 50 to make home repairs and modifications.