Cherokee County has limited funds available to provide loans to qualified homeowners for housing rehabilitation repairs and improvements. The funds may be used to fix dangerous health and safety issues that are in violation of current Cherokee County code standards.

TO QUALIFY:

• The applicant must own and live in the home;
• The applicant must be 62+ years old;
• Family income must not be more than the maximum allowed;
• The mortgage cannot be more than 90% of the fair market value of the home;
• The home must need repairs which would address HUD code deficiencies. HOME funds can fix housing code problems like leaky roofs, plumbing, heating, or electrical problems; and
• General property improvements are not allowed, such as remodeling work, additions or upgrades.

THE 5-YEAR FORGIVABLE LOAN:

• For low to moderate income homeowners;
• The amount of the total cost of repairs, generally, cannot exceed $40,000; and 
• The loan is paid back, on a pro-rata basis, if the homeowner sells the home to downsize or decides to no longer live in the home.

Please pick up and return completed application package to the following location (or download the file from the HOME Repair Program web page):

Home Program Information

Home Program Application

Home Program Application (.pdf)

Contractor Application