The City of Denton provides programs to assist low- and moderate-income homeowners who cannot afford to complete major and minor repairs that, if left unattended, would jeopardize the health and safety of occupants.
Home Improvement Program
Similar to a home repair grant, this provides help to homeowners for major repairs through rehabilitation or reconstruction. Homeowners may be eligible for assistance if they meet the following conditions:
- Your home must be in the city limits of Denton in a targeted neighborhood.
- You must own and live in your home as your principal residence for the past two years.
- Your home must have code deficiencies that make the house unsafe or unsanitary.
- Structure must be more than 20 years old.
- Your property must meet all zoning and environmental restrictions and regulations including floodplain, historical, lead-based paint, etc.
- You must complete the application process and your application and repair(s) must be approved in order to qualify for grants for home improvement.
Your gross household income total must be at or below:
- Family size 1: $40,150
- Family size 2: $45,900
- Family size 3: $51,650
- Family size 4: $57,350
- Family size 5: $61,950
- Family size 6: $66,550
- Family size 7: $71,150
- Family size 8: $75,750
frequently asked questions
Do I need good credit?
You must show the ability to pay property taxes, utilities, homeowner property insurance payments, lenders, creditors and the home improvement loan from the City.
I still have a mortgage payment, can I qualify for the program?
Yes, but your mortgage payment needs to be current and up to date. You need to have some equity in your home. Your mortgage loan balance cannot be more than 80 percent of the property’s appraised value for rehabilitation or 70 percent of the property’s appraised value for reconstruction.
What are the steps to receive assistance?
- Complete the application process. You will receive written notice of assistance approval or denial. If assistance is denied, you will receive an explanation of the reasons for denial.
- Property will be inspected to determine eligibility.
- If property is eligible work write-up or plans will be completed.
- Owner will review and approve work write up or plans.
- Project is sent out to bid. Owner selects contractor from eligible bids.
- Contracts are prepared, reviewed and signed by owner(s). Work begins.
- Complete the Successful Homeownership class
- Work is completed as is a a walk-through the house with staff.
- Update or obtain appropriate homeowner’s insurance.
- The contractor provides a one-year warranty for work completed. After this period, it is the responsibility of homeowner to complete all repairs.
- Payments begin about one month after the project is completed.
What kind of help should I receive if my application is approved?
Rehabilitation: Repairs are made to the house to correct code violations and make needed repairs when a house is in relatively good condition. The homeowner may be required to make arrangements for relocation while the rehabilitation takes place.
Reconstruction: When a house cannot be repaired, the applicant may be eligible for reconstruction. The existing house will be demolished and new house will be built on the property. The homeowner will be required to make arrangements for relocation while the reconstruction takes place.
Does the assistance need to be paid back?
There are two types of financial assistance:
Two-part loan that includes a payable and deferred loan. The loan is available in a combination of a low interest loan and a deferred (forgivable) loan over 5 to 20 years. Part of the loan is payable and part of the loan is forgiven every month you live in the house.
Deferred loan. Forgiveness loan will be provided to seniors, age 62 and above, who are at the income level below 50% of HUD median income. Deferred loans are forgiven monthly over the period of the loan and no payment is required as long as you remain in the home as required and meet all deed requirements.
Will a lien be placed against my property?
Yes, rehabilitation and reconstruction liens are in place for a 5 – 20 year period based on the type and cost of project.
What do I need to do after the project is completed?
You need to be able to pay your monthly loan payment, live in the and pay your property taxes. You must maintain the house and budget to include future maintenance, repair and replacement of appliances. You must maintain a homeowners insurance policy that covers all repairs on the re-constructed home.
Minor Repair Program
This program provides help to homeowners with minor repairs. You may be eligible for assistance under this program, if you meet all the following conditions:
- Your home is a single‐family dwelling unit located in the city limits of Denton.
- You own and occupy your property as your principal residence on a year‐round basis for at least the past year and you have no intention to market, rent or sell the property.
- Mobile homes: You have owned and lived in your mobile home for not less than one year and the mobile home has been located in the city limits for not less than one year. Owner must provide proof of these requirements.
- Your home requires an urgent repair, which if left unattended, would jeopardize the health and/or safety of the occupants; or, your structure requires necessary modification(s) to make structure accessible to meet a medical or physical disability.
- You must hold fee simple title to the property for not less than one year. Contracts for Deed or Contracts for Sale are not eligible, however the period of time an applicant has lived in a property under a lease‐for‐purchase may be taken into consideration in determining the one year ownership time requirement if the applicant can provide proof they have lived in the property for a total of at least one year, and that they had a legal contract for deed before converting it into fee simple ownership.
- You must be a United States citizen or legal resident alien.
- Your total assets (excluding your home) must not exceed $35,000 and your liquid assets do not exceed $10,000 For the purpose of this program, liquid assets include available cash, checking and savings accounts, stocks, bonds and other assets that can be easily accessed without penalty.
- You must not be delinquent on any property taxes to any taxing entity in Denton County. This applies only to applications for a repair subsequent to the first one, and does not include accounts where payment arrangements are up to date, proof of arrangement must be provide.
- You must not have received financial assistance from Community Development for housing rehabilitation or reconstruction within the past eight years. This requirement may be waived.
- You must not have nreceived financial assistance from Community Development’s Homebuyer’s Assistance Program within the past five years. This requirement may be waived.
- Your home must not be newer than fifteen years old.
- You must complete the application process and your application and the requested repair must be approved.
- Your property must meet all environmental restrictions and regulations including floodplain, historical, lead‐based paint, etc. Properties in the 100‐year floodplain or floodway are not eligible for this assistance.
The current eligible income limits are:
- Family size 1: $32,650
- Family size 2: $37,300
- Family size 3: $41,950
- Family size 4: $46,600
- Family size 5: $50,350
- Family size 6: $54,100
- Family size 7: $57,800
- Family size 8: $61,550
frequently asked questions