Homeowner Repair Assistance


RCHR’s Mini-Repair Program – Rensselaer County

The Mini-Repair program run by Rensselaer County Housing Resources (RCHR) provides FREE LABOR to eligible homeowners for minor repairs. The Homeowner is responsible for the cost of materials.

APPLICANT ELIGIBILITY GUIDELINES:

  • Applicant must own the home
  • Home must be located in Rensselaer County
  • Applicants that are disabled or elderly, must have a household income under 80% AMI (see below)
  • Applicants that are not disabled or elderly must have a household income under 50% AMI (see below)

ELIGIBLE MINI-REPAIRS:

  • Porch and stair repair
  • Screen repairs
  • Installing handrails
  • Minor furniture and carpet repair
  • Minor roof work
  • Replacing window panes and caulking windows
  • Electrical: Replacing fuses, plugs, cords, etc.
  • Plumbing: Fixing faucets, replacing washers, unclogging drains, etc.
  • Painting: Minor painting and plastering
  • Insulation: Installing weather stripping and Wrapping hot water heaters
  • Safety Devices: Installing deadbolt locks, smoke detectors, etc.

NON-ELIGIBLE MINI-REPAIRS:

  • Major painting or plastering
  • Extensive plumbing
  • Extensive electrical work
  • Exterior painting or siding
  • Jobs that require more than two days to complete

*RCHR reserves the right to only accept repair jobs that are within the program’s repair scope and/or the Mini-Repair Coordinator’s capacity. Although RCHR does our best to accommodate repair requests as soon as scheduling permits, this is not an emergency repair program.
Click Here for a Mini-Repair Program Brochure.

Interested in Applying?

Contact RCHR’s Mini-Repair Coordinator Jay Coon at 272-8289 x 211 to request a repair.


Homeowner Assistance for Rensselaer County (HARC) – Rensselaer County

The HARC Repair Program is for homeowner occupied residential single family homes located in Rensselaer County. Eligibility for this program changes based on funding.  Currently, this program is made possible by funding from New York State Homes & Community Renewal’s Affordable Housing Corporation.

AHC

To be Eligible:

  • Applicants must have a household income under 112% of the LOW AMI (see below).
  • Applicants must not have more than $15,000 in liquid assets (savings, checking, retirement accounts, stocks & bonds, etc) Home to be repaired is not counted as assets for this calculation, however additional properties would be considered.
  • Property must be up to date on mortgage, property taxes, and homeowners insurance at the time of application and upon start of the work.
  • Homeowner must occupy the property as their primary residence.
  • Property must be a single family home on a permanent foundation.

Once an application is determined to be eligible, an appointment is scheduled for RCHR’s housing rehab specialist to visit the home to identify and prioritize the type of repairs that are requested/needed/eligible up to $10,000 in assistance.

This can include, but is not limited to:

Health & Safety Repairs, Roof replacement, Structural Repairs, Electrical Repairs, Plumbing Repairs, Heat System Repairs/Replacement, Window Replacement, Energy Efficiency Measures. Health & Safety repairs, and code-compliance corrections will be considered higher priority. Cosmetic Repairs are not eligible.

Applicants must be willing to sign a 5 year grant enforcement note and mortgage.

Interested in Applying?
Program Contact: Martin Morey, Rehab Specialist.


Repair Help Around the Capital Region

CEO’s Weatherization and Home Repair – Rensselaer County

Center for Economic Opportunity (CEO) offers energy audits and weatherization for homes throughout Rensselaer County. When funded, they can also including electrical, heating, plumbing, carpentry for basic safety and comfort. Limited to households earning under 60% of area median income.

Contact the CEO for more information online at www.ceoempowers.org or by phone at (518) 272-6012.


USDA 504 Loan/Grant

USDA Rural Development offers loans up to $20,000 as low as 1% interest for up to 20 years.  Available to households who earn under 50% of the median income.  As available, grant funds may be available to senior households (62 and older) at a maximum of $7,500. Limited to rural areas of Rensselaer County and beyond.

Contact USDA Rural Development for more information online at www.rd.usda.gov or contact the Greenwich USDA Office at (518) 692-9940.


HomeSave Repair Loans

The Affordable Housing Partnership (AHP) in Albany offers loans up to $25,000 to address health and safety issues, code violations, mechanical systems, etc. Flexible terms. Eligible households earning up to 120% of median income. Available for homes located in Albany, Rensselaer, Saratoga, and Schenectady counties.

Contact AHP for more information online at www.ahphome.org or by phone at (518) 434-1730.


NYSERDA’s Home Performance with Energy Star®

Take control of your energy use to save money and make your home more comfortable year-round. Here’s a great way to do it—with support from the New York State Energy Research and Development Authority (NYSERDA).

There are several steps involved with this program, the first of which is having a comprehensive home energy assessment completed. The Affordable Housing Partnership also offers Home Energy Assessment to help you navigate your options.

Contact AHP for more information at www.greencapitalregion.org or contact NYSERDA for more information at www.nyserda.ny.gov.

HUD’S AREA MEDIAN INCOME LIMITS (IF APPLICABLE): Albany-Schenectady-Troy, NY MSA Effective 03/2015

1 PERSON 2 PERSON 3 PERSON 4 PERSON 5 PERSON 6 PERSON 7 PERSON 8 PERSON
112% of
LOW LIMITS
$51,878 $59,315 $66,752 $74,099 $80,102 $86,016 $91,930 $97,843
80% LIMITS (LOW)  $ 46,100 $ 52,650  $ 59,250  $ 65,800  $ 71,100  $ 76,350  $ 81,600  $ 86,900
60% LIMITS  $ 34,740  $ 39,720  $ 44,700  $ 49,620  $ 53,640  $ 57,600  $ 61,560  $ 65,520
50% LIMITS (VERY LOW)  $ 28,950  $ 33,100  $ 37,250  $ 41,350  $ 44,700  $ 48,000  $ 51,300  $ 54,600
30% LIMITS  $ 17,400  $ 19,850  $ 22,350  $ 24,800  $ 26,800  $ 28,800  $ 30,800  $ 32,750