Home Repair Grants and Loans

​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​​Your home is one of your most valuable investments. Keeping your home in good repair protects your investment and helps everyone enjoy a better quality of life. Sometimes it's difficult to afford necessary repairs and improvements. Help is available through Virginia Beach Housing & Neighborhood Preservation's Owner-Occupied Rehabilitation Program (emergency assistance and exterior home rehabilitation) and Manufactured (Mobile) Home Rehabilitation Program.

The programs help make home rehablitation and repairs more affordable for low- and moderate-income homeowners residing in Virginia Beach. Depending on the program and type of rehabiliation/repairs, assistance is provided to eligible applicants in the form of a grant or affordable loan. ​

Eligible​​ Recipients

Households whose total gross annual income does not exceed eighty percent (80%) of the Area Median Income, adjusted for family size, as established by the U.S. Department of Housing and Urban Development (HUD), at the time of application (see chart below).

​ PERSONS IN HOUSEHOLD80% OF MEDIAN INCOME
1$42,000
2$48,000
3 $54,000
4$60,000
5$64,800
6$69,600
7$74,400
8$79,200

Income guidelines effective as of April 18, 2018​.​​

Types of Assistance​

 Emergency Assistance

The Owner-Occupied Rehabilitation Program (OORP) provides emergency assistance for home rehabilitation or repairs in order to remove an existing or imminent health and/or safety hazard and make necessary modifications to allow a physically disabled resident to remain in the dwelling. Emergency assistance is provided to eligible applicants in the form of an unsecured grant up to $10,000.00, a secured grant or a deferred loan. 

​​Program details and eligibility requirements can be found here. ​


Eligible activities include:
  • Correction of health and safety hazards (e.g. electrical, gas, and water) on the house side of the meter.
  • Repair or replace air conditioning equipment during the summer (May 16 through September 30). 
  • Repair or replace heating equipment during the winter (October 1 through May 15) or anytime if "red tagged" by proper authorities.  Does not include service calls/routine maintenance (i.e. cleaning furnaces or lighting pilot lights).
  • Repair or replace water distribution pipes which have damage that has resulted in the need to have water shut off to the house.
  • Repair or replace well systems including equipment (replacements will be evaluated on a case-by-case basis).
  • Correction of faulty electrical system equipment on the house side of the meter.
  • Correction of faulty gas lines and equipment on the house side of the meter.
  • Repair or replace the roof/ceiling assembly where there is an existing hazard of collapse (evaluated on a case-by-case basis).
  • Repair or replace an inoperative or defective water heater.
  • Correction of fireplace and/or chimney defects.
  • Repair or replace sewer system or septic system, with collapsed sewer lines or other conditions that hinders property sewage disposal within boundary of lot.
  • Accessibility and usability modifications and improvements (evaluated on a case-by-case basis).

​​Ineligible activities include:

  • Repairs of a cosmetic nature that do not pose a threat to health or safety.
  • Mold remediation whether cited by Code Enforcement or not.​
  • Detached structures (sheds, garages, etc.) and fencing can only be removed and not replaced.​

 Home Rehabilitation

​​​The Owner-Occupied Rehabilitation Program (OORP) provides home rehabilitation/repair assistance in order to correct code violations. Rehabilitation assistance is provided to eligible applicants in the form of a 20-year deferred loan to be secured by a Deed of Trust recorded against the eligible property. A Promissory Note will also be required.

​​Program details and eligibility requirements can be found here. ​


Eligible activities:
  • Replacement of roof, siding, trim, butters, exterior doors, and windows.
  • Correction of exterior code violations on the dwelling as cited by Code Enforcement.
  • Correction of interior code violations on the dwelling related to health and safety as cited by Code Enforcement.
  • Removal of unsafe or blighted conditions on the eligible property. Detached structures (e.g. sheds, garages, fences, etc.) can only be removed and cannot be repaired or replaced.

Ineligible activities:

  • Repairs of a cosmetic nature that do not pose a threat to health or safety.
  • Mold remediation whether cited by Code Enforcement or not.
  • Detached structures (sheds, garages, etc.) and fencing can only be removed and not replaced.

 Mobile Home Rehabilitation

​The Manufactured (Mobile) Home Rehabilitation Program provides assistance for manufactured (mobile) home rehabilitation/repairs that are needed to remove an existing or imminent health and/or safety hazard; make exterior repairs; correct exterior code violations; or make physical improvements, adaptations, or modifications for accessibility, usability and to allow a physically or sensory disabled resident to remain in the eligible dwelling​. Assistance is available to owner-occupied properties in the form of an unsecured grant up to $5,000.00. Assistance must be repaid if the recipient vacates their manufactured (mobile) home within the three years of from the completion dates of the repairs.

​​Program details and eligibility requirements can be found h​ere.​


Eligible activities:

  • Correction of health and safety hazards (i.e. electrical, gas, and water) on the house side of the meter.
  • Repair or replace air conditioning equipment during the summer period of May 16 through September 30.
  • Repair or replace heating equipment during the winter period of October 1 through May 15 or anytime if “red tagged” by proper authorities. Does not include service calls/routine maintenance (i.e. cleaning furnaces or lighting pilot lights).
  • Repair or replace water distribution pipes which have damage that has resulted in the need to have water shut off to the residence.
  • Correction of faulty electrical system equipment on the house side of the meter.
  • Correction of faulty gas lines and equipment on the house side of the meter.
  • Repair or replace the roof/ceiling assembly where there is an existing hazard of collapse (evaluated on a case-by-case basis).
  • Repair or replace an inoperative or defective water heater.
  • Repair or replace sewer system with collapsed sewer lines or other conditions that hinders property sewage disposal within top of elevation grade to the mobile home connection or within the home.
  • Accessibility and usability modifications and improvements (evaluated on a case-by-case basis).
  • Weatherization to include mobile home skirt replacement and pipe wrapping Roof Repair or Replacement (evaluated on a case-by-case basis)
  • Correction of code violations on the dwelling as cited by Code Enforcement. Any non-cited code violations detected by the Construction Inspector during his inspection must also be corrected in addition to the cited violations.
  • Removal of unsafe or blighted conditions on the eligible property. Detached structures (i.e. sheds, garages, fences, etc.) can only be removed and cannot be repaired or replaced.

Ineligible activities:

  • Repairs of a cosmetic nature that do not pose a threat to health or safety.
  • Mold remediation whether cited by Code Enforcement or not.
  • Detached structures (sheds, garages, etc.) and fencing can only be removed and not replaced.
  • Manufactured (mobile) home replacement​.
Contact Information

 General Contractors

​​Virginia Beach Housing & Neighborhood Preservation invites general contractors specializing in home rehabilitation to apply for its active contractors registry. Applicants must be licensed Class A or B contractors registered in Virginia. Only approved contractors on the registry are eligible to bid on home rehabilitation projects administered by the department through our Owner-​Occupied Rehabilitation Program. 

Click here​ of call (757) 385-5834 for more information.​

 Liens & Payoffs

​Persons who have participated in a housing assistance program may have a lien recorded against their property.

If you desire to pay off a lien or have any questions concerning a lien for housing assistance, please call the Asset Manager at (757) 385-5754. The Asset Manager will be able to determine the information you need for early payoff or other questions regarding a lien on your property.