Home Repair Program

How it works

The Home Repair Program is offered by the Pinellas County Board of County Commissioners to preserve existing affordable housing inventory and help eligible homeowners improve the physical condition of their homes. The county says the program addresses hurricane mitigation and code-related items. It provides loans at 0% interest and helps guide the repair process by identifying needed repairs, developing scopes of work, helping owners review bid proposals, and ensuring the contracted work is completed before funds are released to contractors.

What the money covers

Eligible repairs listed on the page include roof systems and soffit/fascia, air conditioning and heat systems, housing code-related electrical upgrades, and windows and exterior doors. The page also states that the program can help with critical needs such as roofs, windows, and air conditioning replacements.

Amounts and terms

Loans are available from $10,000 up to $75,000, including closing costs, at 0% interest. The maximum loan term is 20 years. Loans for households at or below 80% of Area Median Income (AMI) are permanently deferred; these loans are reduced annually by 5% of the original loan amount and may be forgiven in full at the end of 20 years if all conditions are met. All loans are secured by a mortgage and promissory note recorded in the Official Records of Pinellas County.

Loan proceeds and costs

Loan proceeds are disbursed as work is completed, and no advance payments are authorized. There are no application fees, processing fees, points, or origination fees. The page says there are no out-of-pocket expenses to the applicant, and all closing costs are included in the loan. Program costs such as credit reports and inspection fees are provided as a grant.

How to apply

The page refers homeowners to the Home Repair Program homepage and notes that review criteria and processing guidelines are determined by Pinellas County. The program handles accommodations for applicants needing assistance such as home visits, large print documents, interpreters, or audiotape materials.

Timing and deadlines

Loan applications are prioritized on a first qualified, first served basis. The page does not give a closing date; it states the program reopened on April 1, 2026 after being temporarily closed in early 2025.