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What to Do With Home Improvement Grants in Rochester NY

Home improvements can be a costly affair, especially if you are going at it alone. Luckily, in the city of Rochester, the government, through the Housing and Urban Development (HUD) Community Development Block Grant program, offers residents several grants for home improvement projects.

When starting a home improvement project, it is crucial to have adequate funds for successful completion. Generally, federal home improvement grants require applicants to meet specific standards and be used for specified home projects.

If you are wondering whether the available Home Improvement Grants in Rochester NY will be helpful in your project, keep reading to find out if you are eligible. In addition, we also share top home improvement projects that increase your home’s worth.

Home Improvement Grants in Rochester NY

Emergency Assistance Program (EAP)

If you are an owner or occupy either a one or a two-family residential property and are faced with a water repair emergency, you are an eligible applicant for Home Improvement Grants in Rochester NY, under this program. Such emergencies include hot water tanks and furnace/boiler repairs.

If the repairs require installation, the city may authorize it within the set financial limits. However, if the costs are high and go beyond the purpose of the program, the city may cancel the project altogether.

Eligibility For The EAP

Only owner-occupants are eligible to apply.

Applicants must own the property. If the property’s deed lists multiple owners and they do not reside on the property, you may be ineligible for the program.

The total household income limit should be below 80% of Housing and Urban Development’s Median Family Income subject to annual guideline changes.

Taxes in the city of Rochester and Monroe County must be up-to-date.

The property should not be up for foreclosure, and if the owner holds a tax agreement, the payments must be current.

If the mortgage payments are incomplete, they must be current.

Housing Rehabilitation Program

Eligible occupants are owner-occupants who own a one or a two-family residential property that is due for home repairs. Financial assistance is offered in neighborhoods with housing developments. For example, Home Improvement Grants in Rochester NY, under this program must cater for repairs that eliminate hazards, address health and safety hazards, environmental violations and lead-based paint hazards, and other code violations.

Eligibility For Housing Rehabilitation Program

Only owner-occupants are eligible to apply.

Applicants must own the property. If the property’s deed lists multiple owners and they do not reside on the property, you may be ineligible for the program.

The total household income limit should be below 80% of Housing and Urban Development’s Median Family Income subject to annual guideline changes.

Taxes in the city of Rochester and Monroe County must be up-to-date.

The property should not be up for foreclosure, and if the owner holds a tax agreement, the payments must be current.

Qualified applicants must sign a program agreement, note, and mortgage.

Property owners must maintain it for at least five years as their primary residence.

Owner Occupant Roof Program

Another program under the Home Improvement Grants in Rochester NY, is the Owner Occupant Roof Program. This program provides financial assistance to owner-occupants of single-family homes. The aim is to help with repairs, such as roof repairs, gutters, chimney replacements, downspouts, venting, and soffits. If the applications are in excess, priority is usually given to senior citizens aged 62 and above.

Eligibility For Occupant Roof Program

Only owner-occupants are eligible to apply.

Applicants must own the property. If the property’s deed lists multiple owners and they do not reside in the property, you may be ineligible for the program.

The total household income limit should be below 80% of Housing and Urban Development’s Median Family Income subject to annual guideline changes.

Taxes in the city of Rochester and Monroe County must be up-to-date.

The property should not be up for foreclosure, and if the owner holds a tax agreement, the payments must be current.

Qualified applicants must sign a program agreement, note, and mortgage.

Property owners must maintain it for at least five years as their primary residence.

Lead Hazard Control Program (LHCP)

Homeowners of one to four-family residential structures built before 1978 and located in the city of Rochester are eligible for this program. The Lead Hazard Control program is under Home Improvement Grants in Rochester NY. It aims to improve homes prone to lead-based hazards and with children under six residing on the properties to reduce lead poisoning. For testing, a lead testing firm certified by the Environmental Protection Agency (EPA) will inspect and present a risk assessment report.

Eligible repairs may include siding, painting, window or door replacement, porch repair, and soil remediation.

Eligibility For Lead Hazard Control Program

The property must be located in the city of Rochester, be a one-to-four-family residential, and be in good condition. Properties damaged by fire, severely dilapidated, and those with structural complications are not eligible for the program.

Applicants must own the property. If the property’s deed lists multiple owners and they do not reside in the property, you may be ineligible for the program.

The total household income limit should be below 80% of Housing and Urban Development’s Median Family Income subject to annual guideline changes.

The total household income for tenants should not exceed 50% of Housing and Urban Development’s Median Family Income subject to annual guideline changes.

Owner-occupants must have either a residing or visiting child under the age of six. The owner must also provide proof of a relationship with the child.

Taxes in the city of Rochester and Monroe County must be up-to-date.

The property should not be up for foreclosure, and if the owner holds a tax agreement, the payments must be current.

If the applicant is a landlord, the grant will only provide 90% of the project cost.

Qualified applicants must sign a program agreement, note, and mortgage.

Property owners must maintain it for at least five years as their primary residence.

The property owner must not have received any assistance in the last seven years for the program.

Home Improvements For Increasing Value

Once you acquire the Home Improvement Grants in Rochester NY, you need to concentrate on projects that will increase your home’s value. Some of the projects worth looking into include:

Kitchen Remodel

Many potential home buyers are usually looking for a spacious, modern, and functional kitchen. So, if you ever plan to sell your house, you will find that your kitchen could be a unique selling point if you avail highly sought after amenities. According to research, a kitchen remodel can earn you up to 80% of your investment.

The smart way to go about it is to prioritize functionality. There is no need to go overboard on the upgrades, given that kitchen improvements are pretty costly. Instead, concentrate on minor upgrades that have a significant impact. For instance, replacing kitchen faucets, painting cabinets, installing modern fixtures and replacing light fixtures are all high impact upgrades that are low on cost.

You can invest in Italian marble or granite countertop to add a luxurious feel to the kitchen. Apart from functionality, potential buyers are also impressed by the aesthetics and are willing to pay an extra coin in exchange for uniqueness.

Upgrade Appliances

With technology being embraced in performing essential functions, integrating technology into your home will drastically increase its value. In addition, you can install energy-efficient appliances that are environmentally friendly to save on electricity expenses. Potential buyers are always looking for ways to cut down costs, and this will definitely be an easy buy.

If you were using a electric water heater, you could switch to a solar-powered heater. Any buyer will be enticed by the cost-saving appliances and increase their likelihood of purchasing your home. Since various programs under the Home Improvement Grants in Rochester NY offer financial support for repairs of hot water tanks and boilers, you can leverage this and upgrade the appliances.

Bathroom Upgrades

If you are looking to recoup a hefty profit from the sale of your home, consider investing in a bathroom remodel. Just like your kitchen, concentrate on small but high-impact projects. New fixtures, painting, a bathroom cabinet, and re-grouting will easily transform the bathroom and give it a refreshed look. Home Improvement Grants in Rochester NY can come in handy, especially if you have repairs that pose an environmental risk.

Boost Curb Appeal

First impressions largely contribute to making a successful sale. When potential buyers visit your home, the first thing they see is your home’s curb. If it is not appealing, it may be hard to convince them to make a purchase.

Enhancing your curb appeal is one of the most inexpensive home improvement projects. What is even better is that you can do it yourself! It can be scrubbing your home’s siding or clearing your entryway. Programs under Home Improvement Grants in Rochester NY may not offer financial assistance for curb appeal projects, but you can DIY most of the tasks and save on costs.

You can remove dirt build-up, manicure your lawn, and plant some flowers to improve your home’s appearance. If you want to do more, get in touch with landscaping companies for that extra effect and install a good-looking garage door.

Remodel The Attic

The more usable square footage you have, the more you can increase the asking price. Adding a new room can be expensive, but renovating an already existing one can potentially recoup benefits.

You can choose to convert the attic into an extra bedroom, an office, a storage space, a home gym, or a man cave. The options are endless. The more versatile it is, the greater the appeal to potential buyers.

Roof Repair

Your roof is an excellent investment in your house, so eliminate any possible problems that could arise from a damaged roof. Contact your local roofer for roof repair services and gutter cleaning to ensure it is in top shape. Additionally, you can do a roof replacement and switch to a weather-proof roof. You stand to attract more buyers if you eliminate weather-related roof repairs.

In areas where traditional houses exist, they are more at risk of lead-based paint because of the construction material used. Since lead-based homes are a health hazard, you may qualify for one of the home improvement grants in Rochester NY, and start remodeling your house.

Upgrade Your Backyard

Your backyard can improve your home’s resale value if you invest in the right things. For instance, you can choose a theme and incorporate southwest style furniture for your patio to blend in with the earth-tone texture. Using old furniture and repurposing old items, you can achieve this style at little to no cost.

Improve Energy Efficiency

In humid areas, homeowners will appreciate a functioning AC. In colder areas, they will appreciate a heating system. What’s constant in both cases is that an HVAC unit is vital. Its only downside is that it consumes a lot of energy. When an AC is constantly running, it tends to be overworked and is at risk of breaking down. Since AC repair services are costly, you need to come up with alternatives to solve the problem.

Adding extra insulation such as sealing cracks around doors and windows in your home will prevent energy losses. In addition, upgrading to energy-efficient solutions will attract buyers.

Home improvements can be a costly affair, but you can successfully remodel your house with a wide range of financing options. If you want to make the most out of your home improvement grant, consider investing in improvement projects that have a high return on investment. For example, projects such as a kitchen remodel and boosting curb appeal yield high returns if you ever sell your house.

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