Owner Occupied Housing Rehabilitation Program

How it works

This is Augusta-Richmond County’s main home rehabilitation program. The city first inspects the home to decide whether repairs are feasible and to get a cost estimate. After that, staff interview the homeowner to determine whether and how they qualify for one of the available assistance types.

What the money covers

The program is designed to bring the home up to code and meet HUD guidelines. The official page specifically names work on the roof, foundation, floors, siding, electrical systems, and plumbing systems. It also says the work must comply with Historic Preservation requirements where applicable.

Amounts and matching

The page does not state a dollar cap for the program overall. It says eligible applicants may receive one of four assistance types, including:

• Conditional Deferred Payment Loan (CDPL)
• Low Interest Rate Loan (LIRL)
• Emergency Grant

The low-interest loan carries a 3% interest rate and may be repaid over up to 20 years. The Conditional Deferred Payment Loan does not require monthly payments; the full amount is collected when the property is transferred or sold. The Emergency Grant is only for emergency work and must fit within the department’s emergency cost limit.

How to apply

The page does not provide a separate application portal or deadline. Instead, it says the city inspects the home first and then conducts an interview to determine eligibility and the appropriate assistance type.

Timing and deadlines

No formal open or close date is stated. The repayment period for the low-interest loan may extend up to 20 years.