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 need information about applying, please contact Janice Payne, our Outreach Coordinator, at 828-210-9371 or jpayne@ashevillehabitat.org. Para español, llame 828.251.5702, opción 7.
Upcoming Information Sessions:
These community info sessions take place at Stephens Lee Recreation Center and will include an overview of both Homeownership and Home Repair programs:
Wed., September 19 at 12noon
Wed., October 17 at 11am
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.
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.
Homeowner Requirements:
• Income must be below 70% of the HUD Median (income as noted in panel below)
• Credit will be checked for all applicants
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.
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
Hear from a Home Repair client
Interview with a Home Repair Client
Longtime Shiloh resident and Home Repair client Abdul Ahmad shares his experience with Home Repair and how the repairs impacted his life.
See the kind of work we do in this short Home Repair video.
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.
