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 is difficult to afford necessary repairs.  Help is available through Virginia Beach Housing & Neighborhood Preservation's Owner-Occupied Rehabilitation Program and Manufactured (Mobile) Home Rehabilitation Program.

The programs help make home rehablitation and repairs more affordable for low- to moderate-income homeowners residing in Virginia Beach. Depending on the program and type of rehabilitation/repairs, assistance is provided to eligible applicants in the form of a grant and/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 details and eligibility requirements for each program in the tabs below).

Types of Assistance​  

 Home Rehabilitation

The Owner-Occupied Rehabilitation Program (OORP) provides assistance for home rehabilitation/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.  Assistance is provided to eligible applicants in the form of an unsecured grant up to $15,000.00, a secured grant, or a deferred loan. 

Eligible activities include:
  • Correction of health and safety hazards (e.g. electrical, gas, and water) on the house side of the meter.
  • Replace air conditioning equipment. 
  • Replace heating equipment.  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 (evaluated on a case-by-case basis).
  • 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).

​​​The Owner-Occupied Rehabilitation Program (OORP) provides affordable loans for 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.

Eligible activities:
  • Replacement of roof, siding, trim, gutters, 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.
  • Quest piping repair or replacement.

Owner-Occupied Rehabilitation Program (OORP) details and eligibility requirements can be found here. ​  (This program description is not the application and will not need to be completed until after the screening process. ) Upon reading the program description and you believe you are eligible, please refer to the contact information at the top of this webpage to request a brief phone screening.



 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; correct code violations; or make physical improvements, adaptations, or modifications for accessibility and usability​.  Assistance must be repaid if the recipient vacates their manufactured (mobile) home within the two years from the completion dates of the repairs.

Eligible activities:

  • Correction of health and safety hazards (i.e. electrical, gas, and water) on the house side of the meter.​
  • Replace air conditioning equipment.
  • Replace heating equipment.  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.
  • Replace the roof (evaluated on a case-by-case basis).
  • 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).
  • Winterization to include mobile home skirt replacement and pipe wrapping (evaluated on a case-by-case basis)
  • Correction of code violations on the dwelling as cited by Code Enforcement per eligible activities listed under the program description.
  • 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​.

Program details and eligibility requirements can be found h​​​e​​​re.​  (This program description is not the application and will not need to be completed until after the screening process. ) Upon reading the program description and you believe you are eligible, please refer to the contact information at the top of this webpage to request a brief phone screening.

Contact Information

 Contractors Specializing in Residential Construction

​​Virginia Beach Housing & Neighborhood Preservation (DHNP) invites general contractors specializing in home rehabilitation to register for opportunities to submit proposals.  Contractors must be licensed Class A or B contractors registered in Virginia.  Only registered contractors are eligible to submit proposals on home rehabilitation projects administered by the department through our Owner-​Occupied Rehabilitation Program. 

Click here​ or 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.