Emergency Repair Program

Program Purpose

To correct, repair, or replace an essential system and/or critical structural problem for low-income homeowners who are elderly (60+) or disabled. This is not a comprehensive home renovation program; the aim is to stabilize the homeowner's residence by making essential repairs to make the home more livable.

The following repairs are eligible under the Emergency Repair Program:

  • Roofs
  • Electrical systems
  • Plumbing systems
  • Septic systems
  • Heating and air (HVAC) systems
  • Repairs to floors or walls
  • Insulation
  • Window and door replacement
  • Bathroom modifications and ramps necessary for the homeowner with a physical disability to safely access and use the home for basic life functions

The following repairs/purchases are NOT eligible under the Emergency Repair Program:

  • The purchase or repair of appliances not permanently attached to the home, including refrigerators, dishwashers, washers, and dryers.
  • Off-site infrastructure (sheds, barns, fences, bridges, etc.)
  • Landscaping, except for the restoration of the site following an eligible activity or for health and safety reasons.
  • Driveway repairs, except as part of an eligible accessibility activity for ingress/egress to the home.
  • Relocation costs of the homeowner.
  • Tools and work related appliances that will not stay with the home.

Who Can Apply?

Private citizens - THDA oversees the Emergency Repair Program ("ERP") across the entire state, but it is administered locally through nine regional agencies. To apply for the program, click the button below to locate the agency that operates the program in your county. Applications are taken and processed directly at these locations. THDA does not accept applications. For questions about the application process, or to check the status of your application, contact your local ERP agency.

Minimum Qualifications

In order to qualify for the program, the applicant must meet all of the following requirements:

  1. Must be at least 60 years of age OR have a disability.
  2. Must occupy the property being repaired as his/her principal residence.
  3. Must have lived in the home for at least one year prior to applying.
  4. Must have an ownership interest in the property being repaired.
  5. Must meet certain income limit criteria, depending on where you live and how many people live in the household. Contact the agency that serves your county of residence for further information about income limits.
  6. Must be current on the payment of local property taxes.

Please note that these are merely the minimum qualifications set by THDA in order to qualify for the Emergency Repair Program. Additional eligibility criteria may be established by the Administering Agency, based on the needs and priorities of their local service area.

Emergency Repair Program Locator Map

What Type of Funds are Available?

$2.7 million is allocated state-wide every year, upon approval by THDA's Board of Directors. These funds come from the Tennessee Housing Trust Fund, which is financed by profits from THDA's mortgage loan program.

Assistance is made available to eligible, individual homeowners in the form of a grant that does not have to be repaid. No liens are placed against the property, and there is no minimum compliance period. The lifetime maximum grant amount per homeowner is $15,000.

How to Apply

Please click the button above to locate your county of residence. Then contact the local agency that operates the program in that county. THDA does not accept applications directly from homeowners.

Need more information?

Please contact THDA's Community Programs division at (615) 815-2030.

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