Income limits and use of funds for home improvement financing

Income limits

Use this table to see if your income is within the guidelines.

Limits are updated annually in the spring.

Other requirements may apply.

2026 update

Emergency repairs

A system failure or damage that could cause the home to become unlivable.

Reason for work

• Property was damaged because of events beyond the homeowner's control.
• There was a system or structural failure at the property.
• A physical disability that prevents the resident from using parts of the home.

Examples

• Your heating, ventilation, plumbing or septic system is not working.
• There is damage inside your home caused by roof leaks.
• There is a fire hazard due to an electrical problem.
• There is a danger of your home being structurally unsafe.
• Your home needs to be modified to help a disabled resident meet basic needs.

Health and safety repairs

Make your home a safe and healthier place to live.

Reason for work

Your home needs necessary repairs or updates to meet basic needs.

Examples

• Health and safety repairs, including:
  • Electrical and structural repairs
  • Heating systems and insulation
  • Plumbing, septic system and water damage
  • Roofing, siding, windows and doors
  • Wall, ceiling or flooring repair
• Housing code violations
• Radon and lead remediation

General repair and remodeling

Make necessary repairs or simply update your home.

Reason for work

Make your home:

• More energy-efficient
• Meet the needs of its residents

Examples

• Accessibility
• Electrical, plumbing and septics system repairs or replacement
• Furnaces, boilers, water heaters and central air conditioning
• Indoor air quality
• Interior and exterior remodeling
• Porches, decks, garages and home additions
• Roofing, siding, windows and insulation
• Tree removal or trimming and retaining walls