Grants & Loans

LIVINGSTON HOME REHABILITATION PROGRAM V is a grant program that helps owners of single family homes pay for necessary repairs to the home. The Livingston Home Rehabilitation Program V operates throughout Livingston County.

ELIGIBILITY GUIDELINES

• All Program eligibility guidelines will be followed

• Owners of single family homes in Livingston County.

• Household income cannot exceed the following limits:
   

  Household Size	Gross Income
  1	$27,960
  2	$31,900
  3	$35,950
  4	$39,900
  5	$43,100
  6	$46,250
  7	$49,500
  8	$52,700

  
  
• Homes must meet Housing Quality Standards at the completion of construction.

• Grants are secured by a soft second mortgage.

• The grant will fund up to 60% of the repair costs from HOME funds.
• Maximum grant allowed from HOME funds is $25,000.
• Additional grant funds may be available to assist home owners with a greater percentage of the total rehab cost.
• Total grants maximum is $33,000.

• Payment for eligible repairs
• Inspections and related fees
• Other program eligible costs

ELIGIBLE TYPES OF REPAIRS

• Repair or replacement of major housing systems
• Essential energy related repairs or improvements
• Adaptations to allow use by persons who are disabled or handicapped
• Lead hazard reduction
• Other repairs necessary to meet Housing Quality Standards
• Cosmetic repairs are not eligible

AREA ELIGIBILITY

• Homes must be in Livingston County.
• GVRPC also administers home repair programs in Genesee County.

PROGRAM AND TECHNICAL ASSISTANCE
Home owners will receive assistance with:

• Securing the required matching funds
• Inspections of the home to ensure it meets Housing Quality Standards
• Assistance with bidding and the selection of your contractor
• Inspections of the completed repair work

PARTICIPATING LENDERS

NYS Housing Trust Fund Corporation, NYS Division of Housing and Community Renewal, NYS Affordable Housing Corp., and USDA Rural Development Housing Preservation Program
Source of Grants for Livingston HOME Rehabilitation Program V

USDA Rural Development
3037 County Road 10
Canandaigua, NY 14424
585-394-0525 x4

USDA Rural Development provides loans and grants for qualified home owners whose incomes are lower than those normally accepted by conventional lenders.

Conventional Financing
Home owners may choose to work with the Community Lender of their choice if bank financing is needed to provide the owner’s match. GVRPC staff will also work with the owner to locate matching funds.

• An interest free Note and Mortgage, held by GVRPC, must be signed by the home owner to secure the amount of the grant for five years.
• There are no payments on the Note and Mortgage if the home owner lives in the home for five years.
• If the home owner chooses to move out of the house before the five year period is up the grant must be repaid.
• Under certain circumstance the mortgage may be assumed by a qualified buyer.

Housing Quality Standards (HQS)
Minimum standards that address issues of health, safety and basic structural integrity. A Program Inspector will make an appointment with the home owner to go through the home and complete an HQS report. This report becomes the basis of the Inspector’s determination of work needed to allow the home to meet the Housing Quality Standard. The inspector’s write up becomes the basis for securing bids from local contractors.

GVRPC, Inc. is an Equal Opportunity Housing Provider

Funding for this Home Repair Program is made possible by  New York State Housing Trust Fund Corporation, New York State Division Of Housing And Community  Renewal and