Who is eligible for The Home Repair and Accessibility Program (HRAP-2)?
Only single-family properties are eligible. Properties with more than one unit are not eligible for the program. Mobile homes are allowed if it is possible to record a mortgage against the land under the property. Eligible homeowners must be current on their mortgage payments, and the property must be the homeowner’s primary residence. All household occupants’ income is verified. HRAP is an Owner-Occupied program: All owners listed on the title must live in the property. Non-occupying owners must be removed from the title for program participation; no exceptions.
The HRAP-2 offers qualified applicants a grant amounts up to $50,000 for full rehab and up to $25,000 for roof repairs to address needed rehabilitation and repairs to their home. The program is designed to help applicants maintain their homes in good condition, while keeping their home costs affordable.
Income Limits
The applicants’ total annual household income must fall within the limits specified by the federal government. To determine whether or not your income qualifies, first calculate the total annual Adjusted Gross Income for ALL working adults (18 years old and over) living in your household, whether or not their name is listed on the deed to the property or they are applying for the program. Adjusted Gross Income for the previous tax year is found on Line 31 of Form 1040, Federal Income Tax Return. Next, find the line that shows the total number of people living in your house in the left hand column of the chart below. Then look at the corresponding number in the right hand column. If your family’s total annual Adjusted Gross Income is the same or less than this number, you are probably eligible for the program.
| TOTAL NUMBER OF PEOPLE IN HOUSEHOLD | MODERATE INCOME: TOTAL HOUSEHOLD INCOME CANNOT EXCEED |
|---|---|
| ONE | $67,150 |
| TWO | $76,750 |
| THREE | $86,350 |
| FOUR | $95,900 |
| FIVE | $103,600 |
| SIX | $111,250 |
| SEVEN | $118,950 |
| EIGHT | $126,600 |
Property Value
Property value cannot exceed:
- $297,000 Cook
- $361,000 DuPage
- $297,000 Kane
- $297,000 McHenry
Elegible Properties
- Reside in Suburban Cook, DuPage, Kane County, or McHenry County (NWHP does not service Chicago)
- Signle-Family homes
- Manufatured home on a permanent foundation
- Condominium (requieres HOA approval)
Eligible Repairs
- Roof replacement
- Window replacement
- Floor replacement
- Deteriorated plumbing
- Deteriorated Siding
- Outated electrical
- Ramo installation
- Mobility modifications
- Crumbling stairs/porches
Inquiries
For questions contact Program Director Michelle S. Hill at 847-969-0561, ext. 2003 or via email at michellehill@nwhp.net
U.S. Department of Housing & Urban Development- Approved Housing Counseling Agency
NWHP adheres to non-discriminatory practices and is an equal employment employer and serve clients with the greatest economic and social need, low-moderate income minority & persons with limited English proficiency.