Affordable Home Repair
Our Home Repair program addresses the home repair needs of eligible, low-income Buncombe County homeowners. Our goal is to help people live better and longer in their own homes. Please read the following for a better understanding of the program.
If you have questions or need to have an application mailed to you, please contact our Homeowner Selection Coordinator at 828.210.9370, or download an application below. Para español, llame 828.251.5702, opción 7.
Property Requirements:
• Must be owner occupied for one year (name on title or deed) and in Buncombe County
• Building tax value of home must be $300,000 or less
• Must be current on property taxes
• Must be current on mortgage (if applicable)
• Must not be in jeopardy of foreclosure
• If you own a single/double wide or manufactured home: applicants must own the land.
Homeowner Requirements:
• Income must be below 70% of the HUD Median (income as noted in panel below)
• Credit will be checked for all applicants
Process:
1. If you are interested in applying, call 828.210.9370 or download an application by clicking the button above.
2. Turn in application with all required and necessary documents to:
Asheville Area Habitat – Home Repair
33 Meadow Road, Asheville, NC 28803
3. Required volunteer hours are tiered based on repair cost.
4. Construction schedule varies based on amount of time needed to complete the repairs (average: three months).
5. Repayment is determined by the final job cost (discounted by 80%) to be repaid with 0% interest for up to five years.
Ability to Pay
- Delinquent Debt: No more than $5,000 in total balances at the time of application.
- Medical Collections less than three years old: No more than $2,500.
- Bankruptcy: Must wait two years after being discharged.
- Debt-to-Income ratio: Current housing expenses cannot exceed 30% of monthly gross income. Total debt cannot exceed 50% of monthly gross income.
Services vary based on needs, but may include:
• Exterior painting/staining
• Floor repair
• Heating/cooling systems repair
• Roof repair
• Interior and exterior repairs
• Modifications for accessibility
HUD Income Guidelines*:
| Family Size | Maximum Monthly Income |
| 1 person | $2,508 |
| 2 people | $2,864 |
| 3 people | $3,220 |
| 4 people | $3,575 |
| 5 people | $3,867 |
*HUD = The U.S. Department of Housing and Urban Development.
Guidelines are subject to change.
In accepting and rejecting applications, Asheville Area Habitat for Humanity must conform to all aspects of the Fair Housing Act and all Fair Housing Laws, the Equal Credit Opportunity Act, the Fair Credit Reporting Act, the Privacy Act, the Americans with Disabilities Act, as well as any local applicable laws as they apply to applications for a mortgage.
