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Home > Residents > Residential Services > Housing Assistance > Home Repair Assistance

Home Repair Assistance

The City of Denton provides programs to assist low- and moderate-income homeowners who cannot afford to complete major and minor repairs that, if left unattended, would jeopardize the health and safety of occupants.

Home Improvement Program

Similar to a home repair grant, this provides help to homeowners for major repairs through rehabilitation or reconstruction. Homeowners may be eligible for assistance if they meet the following conditions:

  • Your home must be in the city limits of Denton in a targeted neighborhood.
  • You must own and live in your home as your principal residence for the past two years.
  • Your home must have code deficiencies that make the house unsafe or unsanitary.
  • Structure must be more than 20 years old.
  • Your property must meet all zoning and environmental restrictions and regulations including floodplain, historical, lead-based paint, etc.
  • You must complete the application process and your application and repair(s) must be approved in order to qualify for grants for home improvement.

Your gross household income total must be at or below:

  • Family size 1: $40,150
  • Family size 2: $45,900
  • Family size 3: $51,650
  • Family size 4: $57,350
  • Family size 5: $61,950
  • Family size 6: $66,550
  • Family size 7: $71,150
  • Family size 8: $75,750

frequently asked questions

  • Do I need good credit?
    You must show the ability to pay property taxes, utilities, homeowner property insurance payments, lenders, creditors and the home improvement loan from the City.
  • I still have a mortgage payment, can I qualify for the program?
    Yes, but your mortgage payment needs to be current and up to date. You need to have some equity in your home. Your mortgage loan balance cannot be more than 80 percent of the property’s appraised value for rehabilitation or 70 percent of the property’s appraised value for reconstruction.
  • What are the steps to receive assistance?
    • Complete the application process. You will receive written notice of assistance approval or denial. If assistance is denied, you will receive an explanation of the reasons for denial.
    • Property will be inspected to determine eligibility.
    • If property is eligible work write-up or plans will be completed.
    • Owner will review and approve work write up or plans.
    • Project is sent out to bid. Owner selects contractor from eligible bids.
    • Contracts are prepared, reviewed and signed by owner(s). Work begins.
    • Complete the Successful Homeownership class
    • Work is completed as is a a walk-through the house with staff.
    • Update or obtain appropriate homeowner’s insurance.
    • The contractor provides a one-year warranty for work completed. After this period, it is the responsibility of homeowner to complete all repairs.
    • Payments begin about one month after the project is completed.
  • What kind of help should I receive if my application is approved?

    Rehabilitation: Repairs are made to the house to correct code violations and make needed repairs when a house is in relatively good condition. The homeowner may be required to make arrangements for relocation while the rehabilitation takes place.

    Reconstruction: When a house cannot be repaired, the applicant may be eligible for reconstruction. The existing house will be demolished and new house will be built on the property. The homeowner will be required to make arrangements for relocation while the reconstruction takes place.

  • Does the assistance need to be paid back?

    There are two types of financial assistance:

    Two-part loan that includes a payable and deferred loan. The loan is available in a combination of a low interest loan and a deferred (forgivable) loan over 5 to 20 years. Part of the loan is payable and part of the loan is forgiven every month you live in the house.

    Deferred loan. Forgiveness loan will be provided to seniors, age 62 and above, who are at the income level below 50% of HUD median income. Deferred loans are forgiven monthly over the period of the loan and no payment is required as long as you remain in the home as required and meet all deed requirements.

  • Will a lien be placed against my property?
    Yes, rehabilitation and reconstruction liens are in place for a 5 – 20 year period based on the type and cost of project.
  • What do I need to do after the project is completed?
    You need to be able to pay your monthly loan payment, live in the and pay your property taxes. You must maintain the house and budget to include future maintenance, repair and replacement of appliances. You must maintain a homeowners insurance policy that covers all repairs on the re-constructed home.
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Minor Repair Program

This program provides help to homeowners with minor repairs. You may be eligible for assistance under this program, if you meet all the following conditions:

  • Your home is a single‐family dwelling unit located in the city limits of Denton.
  • You own and occupy your property as your principal residence on a year‐round basis for at least the past year and you have no intention to market, rent or sell the property.
  • Mobile homes: You have owned and lived in your mobile home for not less than one year and the mobile home has been located in the city limits for not less than one year. Owner must provide proof of these requirements.
  • Your home requires an urgent repair, which if left unattended, would jeopardize the health and/or safety of the occupants; or, your structure requires necessary modification(s) to make structure accessible to meet a medical or physical disability.
  • You must hold fee simple title to the property for not less than one year. Contracts for Deed or Contracts for Sale are not eligible, however the period of time an applicant has lived in a property under a lease‐for‐purchase may be taken into consideration in determining the one year ownership time requirement if the applicant can provide proof they have lived in the property for a total of at least one year, and that they had a legal contract for deed before converting it into fee simple ownership.
  • You must be a United States citizen or legal resident alien.
  • Your total assets (excluding your home) must not exceed $35,000 and your liquid assets do not exceed $10,000 For the purpose of this program, liquid assets include available cash, checking and savings accounts, stocks, bonds and other assets that can be easily accessed without penalty.
  • You must not be delinquent on any property taxes to any taxing entity in Denton County. This applies only to applications for a repair subsequent to the first one, and does not include accounts where payment arrangements are up to date, proof of arrangement must be provide.
  • You must not have received financial assistance from Community Development for housing rehabilitation or reconstruction within the past eight years. This requirement may be waived.
  • You must not have nreceived financial assistance from Community Development’s Homebuyer’s Assistance Program within the past five years. This requirement may be waived.
  • Your home must not be newer than fifteen years old.
  • You must complete the application process and your application and the requested repair must be approved.
  • Your property must meet all environmental restrictions and regulations including floodplain, historical, lead‐based paint, etc. Properties in the 100‐year floodplain or floodway are not eligible for this assistance.

The current eligible income limits are:

  • Family size 1: $32,650
  • Family size 2: $37,300
  • Family size 3: $41,950
  • Family size 4: $46,600
  • Family size 5: $50,350
  • Family size 6: $54,100
  • Family size 7: $57,800
  • Family size 8: $61,550

frequently asked questions

  • What type of repairs are eligible?

    Repairs or modifications to achieve accessibility that are urgently needed to make the housing safe, sanitary or habitable that can be completed for $5,000 or less are eligible for assistance. Community Development staff will inspect the unit to determine if requested repair is eligible. Eligible Repairs:

    • Repairs necessary to protect the health and safety of the household include repair and/or replacement of failed plumbing fixtures, clogged/broken sewer lines, damaged or exposed electrical wiring, switches, outlets, leaking roofs, etc.
    • Repairs and/or modifications may be made to a structure as necessary to allow accessibility to accommodate a disability when other means are not available to allow accessibility; i.e. building a wheelchair ramp, widening doorways to rooms that must be accessible for living, etc. Program will not pay for portable medical equipment eligible through Medicare/Medicaid.

    When a repair is covered by an insurance policy and only a portion of the cost to repair is covered, the owner must sign over insurance claim payment(s) to the City of Denton before work may begin. Owner insurance funds will be deposited into an escrow account and will be expended first when contractor payments are approved. If owner has already spent insurance funds on repairs, owner must provide proof of payment and detailed documentation of work completed before a decision can be made if the repair is eligible for funding.

  • What type of repairs are not eligible?

    Ineligible repairs

    • Repairs that are only cosmetic in nature.
    • Perils covered by insurance claims.
    • Repairs to a duplicate item when one is working may not be eligible except to prevent additional deterioration. Example: in a house with two bathrooms where one has a working toilet and the other has a leaking toilet; if the leak can be stopped by closing the water cutoff to the toilet, no repair is allowed since a working toilet is available.

    Unsafe and substandard structures that cannot be made safe for habitation for $5,000 or less will not be eligible for assistance. The owner will receive a letter notifying of the hazards and why assistance is being denied. Under such circumstances, Community Development Division will recommend a household seek safe housing as soon as possible.

    Maximum funding per application for owner‐occupied single‐family structures:

    • Up to $5,000 per application may be available for approved, eligible repairs. Repair(s) costing over $5,000 are not eligible. Once completed, no additional assistance may be requested before one full year (12 consecutive months) has passed.
    • A lifetime maximum of 3 repairs or a maximum total expenditure of $12,000, whichever comes first, is available for any one structure and/or household. A waiver is available for any homeowner who is at or below 30% of the Area Median Income at the time of their application for a fourth and/or fifth repair for lifetime maximum of $20,000.

    Mobile homes

    • $3,000 for eligible mobile home units ($3,500 for eligible combined heating and air conditioning‐related repairs)
    • Lifetime maximum of 3 repairs or a maximum total expenditure of $9,000, whichever comes first. A waiver is available for any homeowner who is at or below 30% of the Area Median Income at the time of their application for a fourth and/or fifth repair for a lifetime maximum of $15,000.

    Once the approved repairs are completed and the contractor(s) receives payment, no additional repairs can be requested or approved.

  • Will the repairs need to be paid back?
    No, assistance does not need to be paid back. It is a grant and no lien will be placed on the property.
  • How do I apply?
    • Contact our office for an application and inspection of the repair
    • Complete the application process
    • Submit required documentation
  • What Happens after I apply?
    • Community Development Division staff will complete an inspection to determine if project is eligible. If eligible, you will receive information and forms to apply.
    • Community Development Division staff will verify all the application information and environmental restrictions and regulations. Application and repair request will be submitted for review to the Community Development Administrator. If any information is found to be intentionally falsified, the application will be rejected and the applicant will not be allowed to reapply to this program.
    • You will receive verbal and/or written notice of the date application is accepted or rejected along with details of the decision if application is rejected.
    • In the event your house is 45 years old or older, the Texas Historical Commission may have to be notified.
    • When painted surfaces will be affected in a house built before 1978, the area will be tested for lead based paint. A lead based paint inspection and/or risk assessment shall be conducted by a licensed risk assessor. If your house is found to have lead‐based paint hazards, hazard reduction techniques will be utilized.
    • A bid document will be written up for the repairs needed to correct the health or safety‐related problem. A cost estimate will be completed before bids are sought. Only contractors who carry a minimum of $100,000 liability insurance may perform the work. This program maintains a list of contractors who meet the insurance requirements. This is not a reference list. Any interested contractor who can document appropriate insurance coverage and is not on the most recent list of contractors that are ineligible to work on projects involving federal funds.

    Note: If the bid for the approved emergency repair is more than the maximum allowable funds, the project will not be eligible and the City of Denton will be unable to complete the repair.

    • The contractor/repair company will provide a one‐year warranty for work completed, if possible.
    • Upon final inspection approval, contractor may submit invoice. The payment request will be processed upon project approval and contractor can expect payment within 15 working days from date invoice was approved.
  • Other provisions

    In the event that an applicant feels that his/her circumstances require special consideration, s/he may request, in writing, a waiver from the usual requirements. All requests should specify the requirement(s) to be considered for waiver and state the applicant’s reason(s) or special circumstances why s/he believes a waiver should be approved. The Community Development Administrator will review requests on a case‐by‐case basis. Applicant will be notified in writing of the final decision.

    Dispute: The contractor’s work will be monitored by the applicant, City staff that may include Community Development staff or/and the City of Denton building code inspector. If the applicant considers any work done by the contractor to be unsatisfactory or incomplete, the applicant should advise the contractor of the discrepancy and ask that it be corrected. In the event a dispute exists between the applicant and the contractor with respect to the work, the City shall take appropriate action in accordance with the provisions of the construction contract to assure that the applicant is satisfied before making any payment to the contractor. In the event a dispute cannot be resolved, the Division Director shall consider all pertinent facts and shall decide an appropriate course of action to resolve the dispute.

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