Alabama resources for: Roof leak or home repair

Help with roof leak or home repair in Alabama, from the DRR Resource Navigator. Statewide programs first, then local resources by county.

Statewide programs (any Alabama county)

• United Way 2-1-1 — Phone: 2-1-1 — Free, 24/7 referral line. Finds the smaller church and community funds near their address that open up week to week. Also 1-888-421-1266, or text a ZIP code to 898-211. — Who qualifies: Anyone — Website: https://www.211connectsalabama.org
• USDA Section 504 home repair loans and grants — Phone: 334-279-3440 — 1% loans up to $40,000 and grants up to $10,000 to fix homes and remove health and safety hazards. — Who qualifies: Very-low-income rural homeowners; grants only for age 62+ — Website: https://www.rd.usda.gov/programs-services/single-family-housing-programs/single-family-housing-repair-loans-grants
• Alabama Habitat for Humanity — Phone: 334-737-6401 — Connects people to local Habitat affiliates for home repair and affordable homeownership. — Who qualifies: Low-income households in a local affiliate's area — Website: https://alabamahabitat.org — Email: support@alabamahabitat.org
• Rebuilding Together Central Alabama — Phone: (334) 625-9062 — Free home repairs to make homes safe and healthy, including accessibility. — Who qualifies: Low-income homeowners in its service area — Website: https://rtbama.org
• Next Step Storm Inc — Phone: (205) 730-6550 — Volunteer storm/disaster home repair (Alabama VOAD member). — Who qualifies: Disaster-affected homeowners — Website: https://nextstepstorm.org/index.html

Autauga County, Alabama — Roof / Repair

• USDA Rural Development Section 504 Home Repair - Camden Area Office — Phone: (334) 682-4116 ext. 4 — 1% loans up to $40,000 and grants up to $10,000 (combined $50,000) to repair, modernize or remove health/safety hazards (roofs, plumbing, accessibility). — Who qualifies: Very-low/low-income owner-occupants in eligible rural areas unable to get credit elsewhere; grants only for age 62+ — Website: https://www.rd.usda.gov/programs-services/single-family-housing-programs/single-family-housing-repair-loans-grants/al
• Central Alabama Disaster Relief — Phone: (512) 663-7645 — Volunteer home repair and services for persons with disabilities (Alabama VOAD member). — Who qualifies: Residents needing repairs, especially after disasters — Website: https://alabamavoad.org/members/central-alabama-disaster-relief/

Baldwin County, Alabama — Roof / Repair

• Repair Baldwin (Ecumenical Ministries) — Phone: (251) 928-3430 — Free critical home repairs: roofing, flooring, plumbing and wheelchair ramps. — Who qualifies: Owner-occupants with proof of ownership and income below 50% of county median; no central HVAC — Address: 564 Fairhope Ave., Fairhope, AL 36532 — Website: https://www.baldwinemi.org/get-help
• Habitat for Humanity of Baldwin County — Phone: (251) 943-7268 — Affordable homeownership and home repair. — Who qualifies: Low-income Baldwin homeowners and families
• Habitat for Humanity of Baldwin County — Phone: (251) 943-7268 — Critical repairs to owner-occupied homes as funding allows, homeownership, free financial coaching; ReStores in Daphne and Summerdale. — Who qualifies: Baldwin County owner-occupants (repair); low-income families (homeownership) — Address: 106 East Orange Avenue, Foley 36535 — Website: https://www.habitatbaldwin.org — Email: sstephens@habitatbaldwin.org
• USDA Rural Development Section 504 Home Repair - Bay Minette Area Office — Phone: (251) 937-3297 ext. 4 — 1% loans up to $40,000 and grants up to $10,000 (combined $50,000) to repair, modernize or remove health/safety hazards (roofs, plumbing, accessibility). — Who qualifies: Very-low/low-income owner-occupants in eligible rural areas unable to get credit elsewhere; grants only for age 62+ — Website: https://www.rd.usda.gov/programs-services/single-family-housing-programs/single-family-housing-repair-loans-grants/al

Barbour County, Alabama — Roof / Repair

• USDA Rural Development Section 504 Home Repair - Ozark Area Office — Phone: (334) 774-4926 ext. 4 — 1% loans up to $40,000 and grants up to $10,000 (combined $50,000) to repair, modernize or remove health/safety hazards (roofs, plumbing, accessibility). — Who qualifies: Very-low/low-income owner-occupants in eligible rural areas unable to get credit elsewhere; grants only for age 62+ — Website: https://www.rd.usda.gov/programs-services/single-family-housing-programs/single-family-housing-repair-loans-grants/al

Bibb County, Alabama — Roof / Repair

• USDA Rural Development Section 504 Home Repair - Tuscaloosa Area Office — Phone: (205) 553-1733 ext. 4 — 1% loans up to $40,000 and grants up to $10,000 (combined $50,000) to repair, modernize or remove health/safety hazards (roofs, plumbing, accessibility). — Who qualifies: Very-low/low-income owner-occupants in eligible rural areas unable to get credit elsewhere; grants only for age 62+ — Website: https://www.rd.usda.gov/programs-services/single-family-housing-programs/single-family-housing-repair-loans-grants/al

Blount County, Alabama — Roof / Repair

• USDA Rural Development: Cullman Area Office (504 home repair) — Phone: (256) 734-6471 ext. 4 — Where to file Section 504 home repair loan and grant applications for this area. — Who qualifies: Very-low-income homeowners who live in the home and can't get affordable credit elsewhere; grants only for age 62+ — Address: 501 4th St SW, Cullman 35055 — Website: https://www.rd.usda.gov/al
• USDA Rural Development Section 504 Home Repair - Cullman Area Office — Phone: (256) 734-6471 ext. 4 — 1% loans up to $40,000 and grants up to $10,000 (combined $50,000) to repair, modernize or remove health/safety hazards (roofs, plumbing, accessibility). — Who qualifies: Very-low/low-income owner-occupants in eligible rural areas unable to get credit elsewhere; grants only for age 62+ — Website: https://www.rd.usda.gov/programs-services/single-family-housing-programs/single-family-housing-repair-loans-grants/al

Bullock County, Alabama — Roof / Repair

• USDA Rural Development Section 504 Home Repair - Tuskegee Area Office — Phone: (334) 725-3321 ext. 4 — 1% loans up to $40,000 and grants up to $10,000 (combined $50,000) to repair, modernize or remove health/safety hazards (roofs, plumbing, accessibility). — Who qualifies: Very-low/low-income owner-occupants in eligible rural areas unable to get credit elsewhere; grants only for age 62+ — Website: https://www.rd.usda.gov/programs-services/single-family-housing-programs/single-family-housing-repair-loans-grants/al

Butler County, Alabama — Roof / Repair

• USDA Rural Development Section 504 Home Repair - Camden Area Office — Phone: (334) 682-4116 ext. 4 — 1% loans up to $40,000 and grants up to $10,000 (combined $50,000) to repair, modernize or remove health/safety hazards (roofs, plumbing, accessibility). — Who qualifies: Very-low/low-income owner-occupants in eligible rural areas unable to get credit elsewhere; grants only for age 62+ — Website: https://www.rd.usda.gov/programs-services/single-family-housing-programs/single-family-housing-repair-loans-grants/al

Calhoun County, Alabama — Roof / Repair

• Calhoun Cleburne Habitat for Humanity — Phone: (256) 237-3700 — Critical Repair (roofs, accessibility, plumbing, electrical, HVAC, carpentry, storm doors/windows) repaid by affordable loan; Aging With Kindness, A Brush With Kindness, Veterans Build and homeownership. Office Mon/Tue/Thu 8:30-4, Wed 8:30-12. — Who qualifies: Owner-occupants 1+ year in Calhoun/Cleburne, income under 80% AMI, home <=1,500 sq ft (no mobile/manufactured), no mortgage, DTI <=20%, insurance and taxes current — Address: 310 Industrial Drive Ext., Oxford 36203 — Website: https://www.habitatanniston.org
• USDA Rural Development Section 504 Home Repair - Anniston Area Office — Phone: (256) 835-7821 ext. 4 — 1% loans up to $40,000 and grants up to $10,000 (combined $50,000) to repair, modernize or remove health/safety hazards (roofs, plumbing, accessibility). — Who qualifies: Very-low/low-income owner-occupants in eligible rural areas unable to get credit elsewhere; grants only for age 62+ — Website: https://www.rd.usda.gov/programs-services/single-family-housing-programs/single-family-housing-repair-loans-grants/al

Chambers County, Alabama — Roof / Repair

• USDA Rural Development Section 504 Home Repair - Tuskegee Area Office — Phone: (334) 725-3321 ext. 4 — 1% loans up to $40,000 and grants up to $10,000 (combined $50,000) to repair, modernize or remove health/safety hazards (roofs, plumbing, accessibility). — Who qualifies: Very-low/low-income owner-occupants in eligible rural areas unable to get credit elsewhere; grants only for age 62+ — Website: https://www.rd.usda.gov/programs-services/single-family-housing-programs/single-family-housing-repair-loans-grants/al
• Alabama Rural Ministry — Phone: (334) 501-4276 — Volunteer home repairs that make homes warm, safe and dry; no emergency repairs. — Who qualifies: Homeowners in Macon and Lee counties, Waverly (Chambers), Camp Hill (Tallapoosa) and Hurtsboro (Russell); seniors, widows, people with disabilities and veterans get priority — Website: https://www.arm-al.org — Email: info@arm-al.org
• Alabama Rural Ministry — Phone: (334) 501-4276 — Volunteer home repair (leaking roofs, floors, unsafe/cold/wet homes), home maintenance and disaster prep; Tuskegee site year-round, Livingston area summers only. — Who qualifies: Rural families in need, mostly elderly, disabled or on fixed incomes; selected by urgency — Address: 305 E Thach Ave, Suite N, Auburn 36830 — Website: https://www.arm-al.org — Email: info@arm-al.org

Cherokee County, Alabama — Roof / Repair

• USDA Rural Development Section 504 Home Repair - Anniston Area Office — Phone: (256) 835-7821 ext. 4 — 1% loans up to $40,000 and grants up to $10,000 (combined $50,000) to repair, modernize or remove health/safety hazards (roofs, plumbing, accessibility). — Who qualifies: Very-low/low-income owner-occupants in eligible rural areas unable to get credit elsewhere; grants only for age 62+ — Website: https://www.rd.usda.gov/programs-services/single-family-housing-programs/single-family-housing-repair-loans-grants/al

Chilton County, Alabama — Roof / Repair

• USDA Rural Development Section 504 Home Repair - Camden Area Office — Phone: (334) 682-4116 ext. 4 — 1% loans up to $40,000 and grants up to $10,000 (combined $50,000) to repair, modernize or remove health/safety hazards (roofs, plumbing, accessibility). — Who qualifies: Very-low/low-income owner-occupants in eligible rural areas unable to get credit elsewhere; grants only for age 62+ — Website: https://www.rd.usda.gov/programs-services/single-family-housing-programs/single-family-housing-repair-loans-grants/al
• Habitat for Humanity of Autauga and Chilton Counties — Phone: (334) 365-4132 — Home Repair Program (roofs, flooring, electrical) for low-income homeowners, plus new affordable homes with 0% mortgages. — Who qualifies: Low-income homeowners/families in Chilton and Autauga counties who meet Habitat criteria — Website: https://www.habitatautaugachilton.org

Choctaw County, Alabama — Roof / Repair

• USDA Rural Development Section 504 Home Repair - Camden Area Office — Phone: (334) 682-4116 ext. 4 — 1% loans up to $40,000 and grants up to $10,000 (combined $50,000) to repair, modernize or remove health/safety hazards (roofs, plumbing, accessibility). — Who qualifies: Very-low/low-income owner-occupants in eligible rural areas unable to get credit elsewhere; grants only for age 62+ — Website: https://www.rd.usda.gov/programs-services/single-family-housing-programs/single-family-housing-repair-loans-grants/al
• Rebuilding Together of South Alabama — Phone: 866-756-8178 — Free volunteer home repairs, accessibility modifications, disaster preparedness/recovery; Mon-Fri 8am-4pm. — Who qualifies: Low-income homeowners (no rentals or heir property) living in the home 3+ years; mainly veterans, seniors, people with disabilities, single parents — Address: P.O. Box 1752, Mobile 36633 — Website: https://rebuildingtogethersa.org — Email: twalker@rebuildingtogethersa.org

Clarke County, Alabama — Roof / Repair

• USDA Rural Development Section 504 Home Repair - Bay Minette Area Office — Phone: (251) 937-3297 ext. 4 — 1% loans up to $40,000 and grants up to $10,000 (combined $50,000) to repair, modernize or remove health/safety hazards (roofs, plumbing, accessibility). — Who qualifies: Very-low/low-income owner-occupants in eligible rural areas unable to get credit elsewhere; grants only for age 62+ — Website: https://www.rd.usda.gov/programs-services/single-family-housing-programs/single-family-housing-repair-loans-grants/al
• Rebuilding Together of South Alabama — Phone: 866-756-8178 — Free volunteer home repairs, accessibility modifications, disaster preparedness/recovery; Mon-Fri 8am-4pm. — Who qualifies: Low-income homeowners (no rentals or heir property) living in the home 3+ years; mainly veterans, seniors, people with disabilities, single parents — Address: P.O. Box 1752, Mobile 36633 — Website: https://rebuildingtogethersa.org — Email: twalker@rebuildingtogethersa.org

Clay County, Alabama — Roof / Repair

• USDA Rural Development Section 504 Home Repair - Anniston Area Office — Phone: (256) 835-7821 ext. 4 — 1% loans up to $40,000 and grants up to $10,000 (combined $50,000) to repair, modernize or remove health/safety hazards (roofs, plumbing, accessibility). — Who qualifies: Very-low/low-income owner-occupants in eligible rural areas unable to get credit elsewhere; grants only for age 62+ — Website: https://www.rd.usda.gov/programs-services/single-family-housing-programs/single-family-housing-repair-loans-grants/al

Cleburne County, Alabama — Roof / Repair

• Calhoun Cleburne Habitat for Humanity — Phone: (256) 237-3700 — Critical Repair (roofs, accessibility, plumbing, electrical, HVAC, carpentry, storm doors/windows) repaid by affordable loan; Aging With Kindness, A Brush With Kindness, Veterans Build and homeownership. Office Mon/Tue/Thu 8:30-4, Wed 8:30-12. — Who qualifies: Owner-occupants 1+ year in Calhoun/Cleburne, income under 80% AMI, home <=1,500 sq ft (no mobile/manufactured), no mortgage, DTI <=20%, insurance and taxes current — Address: 310 Industrial Drive Ext., Oxford 36203 — Website: https://www.habitatanniston.org
• USDA Rural Development Section 504 Home Repair - Anniston Area Office — Phone: (256) 835-7821 ext. 4 — 1% loans up to $40,000 and grants up to $10,000 (combined $50,000) to repair, modernize or remove health/safety hazards (roofs, plumbing, accessibility). — Who qualifies: Very-low/low-income owner-occupants in eligible rural areas unable to get credit elsewhere; grants only for age 62+ — Website: https://www.rd.usda.gov/programs-services/single-family-housing-programs/single-family-housing-repair-loans-grants/al

Coffee County, Alabama — Roof / Repair

• USDA Rural Development Section 504 Home Repair - Ozark Area Office — Phone: (334) 774-4926 ext. 4 — 1% loans up to $40,000 and grants up to $10,000 (combined $50,000) to repair, modernize or remove health/safety hazards (roofs, plumbing, accessibility). — Who qualifies: Very-low/low-income owner-occupants in eligible rural areas unable to get credit elsewhere; grants only for age 62+ — Website: https://www.rd.usda.gov/programs-services/single-family-housing-programs/single-family-housing-repair-loans-grants/al

Colbert County, Alabama — Roof / Repair

• Shoals Habitat for Humanity — Phone: (256) 760-9515 — Builds/renovates homes for low-income buyers; operates a ReStore. Ask about repair availability. — Who qualifies: Low-income homeowners/buyers — Address: PO Box 3135, Florence 35630
• USDA Rural Development Section 504 Home Repair - Huntsville Area Office — Phone: (256) 532-1677 ext. 5 — 1% loans up to $40,000 and grants up to $10,000 (combined $50,000) to repair, modernize or remove health/safety hazards (roofs, plumbing, accessibility). — Who qualifies: Very-low/low-income owner-occupants in eligible rural areas unable to get credit elsewhere; grants only for age 62+ — Website: https://www.rd.usda.gov/programs-services/single-family-housing-programs/single-family-housing-repair-loans-grants/al

Conecuh County, Alabama — Roof / Repair

• USDA Rural Development Section 504 Home Repair - Bay Minette Area Office — Phone: (251) 937-3297 ext. 4 — 1% loans up to $40,000 and grants up to $10,000 (combined $50,000) to repair, modernize or remove health/safety hazards (roofs, plumbing, accessibility). — Who qualifies: Very-low/low-income owner-occupants in eligible rural areas unable to get credit elsewhere; grants only for age 62+ — Website: https://www.rd.usda.gov/programs-services/single-family-housing-programs/single-family-housing-repair-loans-grants/al

Coosa County, Alabama — Roof / Repair

• USDA Rural Development Section 504 Home Repair - Tuskegee Area Office — Phone: (334) 725-3321 ext. 4 — 1% loans up to $40,000 and grants up to $10,000 (combined $50,000) to repair, modernize or remove health/safety hazards (roofs, plumbing, accessibility). — Who qualifies: Very-low/low-income owner-occupants in eligible rural areas unable to get credit elsewhere; grants only for age 62+ — Website: https://www.rd.usda.gov/programs-services/single-family-housing-programs/single-family-housing-repair-loans-grants/al

Covington County, Alabama — Roof / Repair

• USDA Rural Development Section 504 Home Repair - Ozark Area Office — Phone: (334) 774-4926 ext. 4 — 1% loans up to $40,000 and grants up to $10,000 (combined $50,000) to repair, modernize or remove health/safety hazards (roofs, plumbing, accessibility). — Who qualifies: Very-low/low-income owner-occupants in eligible rural areas unable to get credit elsewhere; grants only for age 62+ — Website: https://www.rd.usda.gov/programs-services/single-family-housing-programs/single-family-housing-repair-loans-grants/al

Crenshaw County, Alabama — Roof / Repair

• USDA Rural Development Section 504 Home Repair - Ozark Area Office — Phone: (334) 774-4926 ext. 4 — 1% loans up to $40,000 and grants up to $10,000 (combined $50,000) to repair, modernize or remove health/safety hazards (roofs, plumbing, accessibility). — Who qualifies: Very-low/low-income owner-occupants in eligible rural areas unable to get credit elsewhere; grants only for age 62+ — Website: https://www.rd.usda.gov/programs-services/single-family-housing-programs/single-family-housing-repair-loans-grants/al

Cullman County, Alabama — Roof / Repair

• USDA Rural Development: Cullman Area Office (504 home repair) — Phone: (256) 734-6471 ext. 4 — Where to file Section 504 home repair loan and grant applications for this area. — Who qualifies: Very-low-income homeowners who live in the home and can't get affordable credit elsewhere; grants only for age 62+ — Address: 501 4th St SW, Cullman 35055 — Website: https://www.rd.usda.gov/al
• USDA Rural Development Section 504 Home Repair - Cullman Area Office — Phone: (256) 734-6471 ext. 4 — 1% loans up to $40,000 and grants up to $10,000 (combined $50,000) to repair, modernize or remove health/safety hazards (roofs, plumbing, accessibility). — Who qualifies: Very-low/low-income owner-occupants in eligible rural areas unable to get credit elsewhere; grants only for age 62+ — Website: https://www.rd.usda.gov/programs-services/single-family-housing-programs/single-family-housing-repair-loans-grants/al

Dale County, Alabama — Roof / Repair

• USDA Rural Development Section 504 Home Repair - Ozark Area Office — Phone: (334) 774-4926 ext. 4 — 1% loans up to $40,000 and grants up to $10,000 (combined $50,000) to repair, modernize or remove health/safety hazards (roofs, plumbing, accessibility). — Who qualifies: Very-low/low-income owner-occupants in eligible rural areas unable to get credit elsewhere; grants only for age 62+ — Website: https://www.rd.usda.gov/programs-services/single-family-housing-programs/single-family-housing-repair-loans-grants/al

Dallas County, Alabama — Roof / Repair

• USDA Rural Development Section 504 Home Repair - Camden Area Office — Phone: (334) 682-4116 ext. 4 — 1% loans up to $40,000 and grants up to $10,000 (combined $50,000) to repair, modernize or remove health/safety hazards (roofs, plumbing, accessibility). — Who qualifies: Very-low/low-income owner-occupants in eligible rural areas unable to get credit elsewhere; grants only for age 62+ — Website: https://www.rd.usda.gov/programs-services/single-family-housing-programs/single-family-housing-repair-loans-grants/al

DeKalb County, Alabama — Roof / Repair

• USDA Rural Development Section 504 Home Repair - Anniston Area Office — Phone: (256) 835-7821 ext. 4 — 1% loans up to $40,000 and grants up to $10,000 (combined $50,000) to repair, modernize or remove health/safety hazards (roofs, plumbing, accessibility). — Who qualifies: Very-low/low-income owner-occupants in eligible rural areas unable to get credit elsewhere; grants only for age 62+ — Website: https://www.rd.usda.gov/programs-services/single-family-housing-programs/single-family-housing-repair-loans-grants/al

Elmore County, Alabama — Roof / Repair

• Central Alabama Disaster Relief — Phone: (512) 663-7645 — Volunteer home repair and services for persons with disabilities (Alabama VOAD member). — Who qualifies: Residents needing repairs, especially after disasters — Website: https://alabamavoad.org/members/central-alabama-disaster-relief/
• USDA Rural Development Section 504 Home Repair - Tuskegee Area Office — Phone: (334) 725-3321 ext. 4 — 1% loans up to $40,000 and grants up to $10,000 (combined $50,000) to repair, modernize or remove health/safety hazards (roofs, plumbing, accessibility). — Who qualifies: Very-low/low-income owner-occupants in eligible rural areas unable to get credit elsewhere; grants only for age 62+ — Website: https://www.rd.usda.gov/programs-services/single-family-housing-programs/single-family-housing-repair-loans-grants/al

Escambia County, Alabama — Roof / Repair

• USDA Rural Development Section 504 Home Repair - Bay Minette Area Office — Phone: (251) 937-3297 ext. 4 — 1% loans up to $40,000 and grants up to $10,000 (combined $50,000) to repair, modernize or remove health/safety hazards (roofs, plumbing, accessibility). — Who qualifies: Very-low/low-income owner-occupants in eligible rural areas unable to get credit elsewhere; grants only for age 62+ — Website: https://www.rd.usda.gov/programs-services/single-family-housing-programs/single-family-housing-repair-loans-grants/al

Etowah County, Alabama — Roof / Repair

• USDA Rural Development Section 504 Home Repair - Anniston Area Office — Phone: (256) 835-7821 ext. 4 — 1% loans up to $40,000 and grants up to $10,000 (combined $50,000) to repair, modernize or remove health/safety hazards (roofs, plumbing, accessibility). — Who qualifies: Very-low/low-income owner-occupants in eligible rural areas unable to get credit elsewhere; grants only for age 62+ — Website: https://www.rd.usda.gov/programs-services/single-family-housing-programs/single-family-housing-repair-loans-grants/al
• Gadsden-Etowah Habitat for Humanity — Phone: (256) 467-3719 — Affordable homeownership; its ReStore sells low-cost furniture and building materials. — Who qualifies: Low-income homeowners and buyers — Address: 3225 Rainbow Dr Suite 248A, Rainbow City 35906 — Website: https://www.gadsdenhabitat.com

Fayette County, Alabama — Roof / Repair

• USDA Rural Development Section 504 Home Repair - Tuscaloosa Area Office — Phone: (205) 553-1733 ext. 4 — 1% loans up to $40,000 and grants up to $10,000 (combined $50,000) to repair, modernize or remove health/safety hazards (roofs, plumbing, accessibility). — Who qualifies: Very-low/low-income owner-occupants in eligible rural areas unable to get credit elsewhere; grants only for age 62+ — Website: https://www.rd.usda.gov/programs-services/single-family-housing-programs/single-family-housing-repair-loans-grants/al

Franklin County, Alabama — Roof / Repair

• USDA Rural Development: Cullman Area Office (504 home repair) — Phone: (256) 734-6471 ext. 4 — Where to file Section 504 home repair loan and grant applications for this area. — Who qualifies: Very-low-income homeowners who live in the home and can't get affordable credit elsewhere; grants only for age 62+ — Address: 501 4th St SW, Cullman 35055 — Website: https://www.rd.usda.gov/al
• USDA Rural Development Section 504 Home Repair - Cullman Area Office — Phone: (256) 734-6471 ext. 4 — 1% loans up to $40,000 and grants up to $10,000 (combined $50,000) to repair, modernize or remove health/safety hazards (roofs, plumbing, accessibility). — Who qualifies: Very-low/low-income owner-occupants in eligible rural areas unable to get credit elsewhere; grants only for age 62+ — Website: https://www.rd.usda.gov/programs-services/single-family-housing-programs/single-family-housing-repair-loans-grants/al

Geneva County, Alabama — Roof / Repair

• USDA Rural Development Section 504 Home Repair - Ozark Area Office — Phone: (334) 774-4926 ext. 4 — 1% loans up to $40,000 and grants up to $10,000 (combined $50,000) to repair, modernize or remove health/safety hazards (roofs, plumbing, accessibility). — Who qualifies: Very-low/low-income owner-occupants in eligible rural areas unable to get credit elsewhere; grants only for age 62+ — Website: https://www.rd.usda.gov/programs-services/single-family-housing-programs/single-family-housing-repair-loans-grants/al

Greene County, Alabama — Roof / Repair

• USDA Rural Development Section 504 Home Repair - Tuscaloosa Area Office — Phone: (205) 553-1733 ext. 4 — 1% loans up to $40,000 and grants up to $10,000 (combined $50,000) to repair, modernize or remove health/safety hazards (roofs, plumbing, accessibility). — Who qualifies: Very-low/low-income owner-occupants in eligible rural areas unable to get credit elsewhere; grants only for age 62+ — Website: https://www.rd.usda.gov/programs-services/single-family-housing-programs/single-family-housing-repair-loans-grants/al
• Habitat for Humanity of Tuscaloosa — Phone: 205-349-4629 — FORTIFIED Roof Replacement program (application period opens Oct 1) plus homeownership; office by appointment. — Who qualifies: Owner-occupied single-family homes on permanent foundation (no mobile/manufactured/condo) with wind insurance; household income <= $85,687; no roof claim in last 6 months — Address: 2222 9th Street, Suite 201, Tuscaloosa 35401 — Website: https://www.habitattuscaloosa.org — Email: info@habitattuscaloosa.org

Hale County, Alabama — Roof / Repair

• USDA Rural Development Section 504 Home Repair - Tuscaloosa Area Office — Phone: (205) 553-1733 ext. 4 — 1% loans up to $40,000 and grants up to $10,000 (combined $50,000) to repair, modernize or remove health/safety hazards (roofs, plumbing, accessibility). — Who qualifies: Very-low/low-income owner-occupants in eligible rural areas unable to get credit elsewhere; grants only for age 62+ — Website: https://www.rd.usda.gov/programs-services/single-family-housing-programs/single-family-housing-repair-loans-grants/al
• Habitat for Humanity of Tuscaloosa — Phone: 205-349-4629 — FORTIFIED Roof Replacement program (application period opens Oct 1) plus homeownership; office by appointment. — Who qualifies: Owner-occupied single-family homes on permanent foundation (no mobile/manufactured/condo) with wind insurance; household income <= $85,687; no roof claim in last 6 months — Address: 2222 9th Street, Suite 201, Tuscaloosa 35401 — Website: https://www.habitattuscaloosa.org — Email: info@habitattuscaloosa.org
• HERO Housing Resource Center — Phone: (334) 624-0842 — Food pantry and housing help (Habitat home repair/building); Mon-Fri 8am-4:30pm. — Who qualifies: Hale County residents — Address: 1120 Main St, Greensboro 36744 — Website: https://www.foodpantries.org/li/hero_housing_resource_center_36744

Henry County, Alabama — Roof / Repair

• USDA Rural Development Section 504 Home Repair - Ozark Area Office — Phone: (334) 774-4926 ext. 4 — 1% loans up to $40,000 and grants up to $10,000 (combined $50,000) to repair, modernize or remove health/safety hazards (roofs, plumbing, accessibility). — Who qualifies: Very-low/low-income owner-occupants in eligible rural areas unable to get credit elsewhere; grants only for age 62+ — Website: https://www.rd.usda.gov/programs-services/single-family-housing-programs/single-family-housing-repair-loans-grants/al

Houston County, Alabama — Roof / Repair

• USDA Rural Development Section 504 Home Repair - Ozark Area Office — Phone: (334) 774-4926 ext. 4 — 1% loans up to $40,000 and grants up to $10,000 (combined $50,000) to repair, modernize or remove health/safety hazards (roofs, plumbing, accessibility). — Who qualifies: Very-low/low-income owner-occupants in eligible rural areas unable to get credit elsewhere; grants only for age 62+ — Website: https://www.rd.usda.gov/programs-services/single-family-housing-programs/single-family-housing-repair-loans-grants/al
• Wiregrass Habitat for Humanity — Phone: (334) 792-8453 — Critical Home Repair and Weatherization program plus Habitat homeownership; ReStore sells low-cost furniture and building materials (Tue-Fri 9-5, Sat 9-3). — Who qualifies: Low-income homeowners in the Wiregrass who qualify — Address: 2086 Montgomery Hwy., Dothan 36303 — Website: https://wiregrasshabitat.org/ — Email: restoremanager@wiregrasshabitat.org
• Wiregrass Habitat / City of Dothan Critical Home Repair and Weatherization — Phone: (334) 792-8453 — Up to $5,000 per home (paid to contractor) for roofs, electrical, plumbing, heating/cooling and other critical repairs. — Who qualifies: Owner-occupants inside Dothan city limits owning no other property, income <=80% AMI; serves elderly, disabled and low-income; no mobile homes — Address: 2086 Montgomery Hwy, Dothan 36303 — Website: https://wiregrasshabitat.org/critical-home-repair-and-weatherization-program/ — Email: restoremanager@wiregrasshabitat.org

Jackson County, Alabama — Roof / Repair

• USDA Rural Development Section 504 Home Repair - Huntsville Area Office — Phone: (256) 532-1677 ext. 5 — 1% loans up to $40,000 and grants up to $10,000 (combined $50,000) to repair, modernize or remove health/safety hazards (roofs, plumbing, accessibility). — Who qualifies: Very-low/low-income owner-occupants in eligible rural areas unable to get credit elsewhere; grants only for age 62+ — Website: https://www.rd.usda.gov/programs-services/single-family-housing-programs/single-family-housing-repair-loans-grants/al

Jefferson County, Alabama — Roof / Repair

• USDA Rural Development: Cullman Area Office (504 home repair) — Phone: (256) 734-6471 ext. 4 — Where to file Section 504 home repair loan and grant applications for this area. — Who qualifies: Very-low-income homeowners who live in the home and can't get affordable credit elsewhere; grants only for age 62+ — Address: 501 4th St SW, Cullman 35055 — Website: https://www.rd.usda.gov/al
• USDA Rural Development Section 504 Home Repair - Cullman Area Office — Phone: (256) 734-6471 ext. 4 — 1% loans up to $40,000 and grants up to $10,000 (combined $50,000) to repair, modernize or remove health/safety hazards (roofs, plumbing, accessibility). — Who qualifies: Very-low/low-income owner-occupants in eligible rural areas unable to get credit elsewhere; grants only for age 62+ — Website: https://www.rd.usda.gov/programs-services/single-family-housing-programs/single-family-housing-repair-loans-grants/al
• Greater Birmingham Habitat for Humanity — Phone: (205) 780-1234 — Runs home repair and roof programs in Birmingham; call for current openings. — Who qualifies: Low-to-moderate-income homeowners
• City of Birmingham Critical Repair Program — Phone: (205) 581-3117 — Up to $30,000 for urgent home repairs (roof, plumbing, electrical, HVAC, insulation, exterior and structural), during set application windows. — Who qualifies: City of Birmingham homeowners selected through the application — Website: https://cobcd.com/critical-repair-program/
• Renew Birmingham — Phone: (205) 201-4275 — Utility and rent help, home and vehicle repair, lawn care. — Who qualifies: Residents of Ensley, Ensley Highlands, Tuxedo and Wylam only — Address: 1801 Avenue H, Birmingham 35218 — Website: https://www.renewbham.org — Email: info@renewbham.org
• Strengthen Alabama Homes (FORTIFIED roof) — Phone: (205) 780-1234 — Free FORTIFIED roof replacement or upgrade through Habitat for Humanity of Greater Birmingham. — Who qualifies: Owner-occupied single-family home; applicant on the deed; household income under $85,687; homeowners insurance must include wind/hail — Website: https://www.habitatbirmingham.org
• Neighborhood Housing Services (NHS Birmingham) — Phone: (205) 328-4292 — Home preservation and repair help so homeowners can fix and keep their homes. — Who qualifies: Birmingham-area homeowners; call to check current repair funding and roof eligibility
• Next Step STORM — Phone: (205) 730-6550 — Faith-based volunteer construction and home-repair projects, including roofing and inner-city housing improvement. — Who qualifies: Depends on current projects and volunteers
• REPAIR Angels — Phone: (205) 577-9182 — Critical home repairs for seniors, done by contractors and trade professionals. — Who qualifies: Older adult homeowners especially
• Christian Service Mission — Phone: (205) 252-9906 — Christian mission offering help to people in need; call to ask what's available, including home repair. — Who qualifies: Call to ask
• Habitat for Humanity Greater Birmingham — Phone: (205) 780-1234 — Home Repair and Preservation (critical repairs, roof replacements incl. City-funded roof grants up to $10,000 and FORTIFIED roofs in select neighborhoods) plus homeownership with 0% mortgages. — Who qualifies: Low-to-moderate income homeowners; selected on need, willingness to partner and ability to pay — Address: 4408 Lloyd Noland Pkwy, Fairfield 35064 — Website: https://www.habitatbirmingham.org
• Jefferson County Community Services Housing Rehabilitation — Phone: 205-325-5761 — CDBG housing rehab (electrical, plumbing, roofing, flooring, HVAC, doors, ramps, septic), emergency repair grants and Housing Accessibility grants (ramps, wider doors, grab bars). — Who qualifies: Income-eligible (<=80% median) owner-occupants 1+ year in Jefferson County outside Birmingham, Bessemer, Sumiton and Helena; no rentals — Website: https://paca.jccal.org/281/Repairs-to-My-Home

Lamar County, Alabama — Roof / Repair

• USDA Rural Development Section 504 Home Repair - Tuscaloosa Area Office — Phone: (205) 553-1733 ext. 4 — 1% loans up to $40,000 and grants up to $10,000 (combined $50,000) to repair, modernize or remove health/safety hazards (roofs, plumbing, accessibility). — Who qualifies: Very-low/low-income owner-occupants in eligible rural areas unable to get credit elsewhere; grants only for age 62+ — Website: https://www.rd.usda.gov/programs-services/single-family-housing-programs/single-family-housing-repair-loans-grants/al

Lauderdale County, Alabama — Roof / Repair

• Shoals Habitat for Humanity — Phone: (256) 760-9515 — Builds/renovates homes for low-income buyers; operates a ReStore. Ask about repair availability. — Who qualifies: Low-income homeowners/buyers — Address: PO Box 3135, Florence 35630
• USDA Rural Development Section 504 Home Repair - Huntsville Area Office — Phone: (256) 532-1677 ext. 5 — 1% loans up to $40,000 and grants up to $10,000 (combined $50,000) to repair, modernize or remove health/safety hazards (roofs, plumbing, accessibility). — Who qualifies: Very-low/low-income owner-occupants in eligible rural areas unable to get credit elsewhere; grants only for age 62+ — Website: https://www.rd.usda.gov/programs-services/single-family-housing-programs/single-family-housing-repair-loans-grants/al
• City of Florence Community Development — Phone: (256) 740-8806 — Administers Florence CDBG funds for low-to-moderate income residents; Mon-Fri 8am-5pm. — Who qualifies: Low-to-moderate income Florence residents — Address: 110 West College St., Florence 35630 — Website: https://florenceal.org/planning-and-community-development/

Lawrence County, Alabama — Roof / Repair

• USDA Rural Development Section 504 Home Repair - Huntsville Area Office — Phone: (256) 532-1677 ext. 5 — 1% loans up to $40,000 and grants up to $10,000 (combined $50,000) to repair, modernize or remove health/safety hazards (roofs, plumbing, accessibility). — Who qualifies: Very-low/low-income owner-occupants in eligible rural areas unable to get credit elsewhere; grants only for age 62+ — Website: https://www.rd.usda.gov/programs-services/single-family-housing-programs/single-family-housing-repair-loans-grants/al

Lee County, Alabama — Roof / Repair

• USDA Rural Development Section 504 Home Repair - Tuskegee Area Office — Phone: (334) 725-3321 ext. 4 — 1% loans up to $40,000 and grants up to $10,000 (combined $50,000) to repair, modernize or remove health/safety hazards (roofs, plumbing, accessibility). — Who qualifies: Very-low/low-income owner-occupants in eligible rural areas unable to get credit elsewhere; grants only for age 62+ — Website: https://www.rd.usda.gov/programs-services/single-family-housing-programs/single-family-housing-repair-loans-grants/al
• Alabama Rural Ministry — Phone: (334) 501-4276 — Volunteer home repairs that make homes warm, safe and dry; no emergency repairs. — Who qualifies: Homeowners in Macon and Lee counties, Waverly (Chambers), Camp Hill (Tallapoosa) and Hurtsboro (Russell); seniors, widows, people with disabilities and veterans get priority — Website: https://www.arm-al.org — Email: info@arm-al.org
• Alabama Rural Ministry — Phone: (334) 501-4276 — Volunteer home repair (leaking roofs, floors, unsafe/cold/wet homes), home maintenance and disaster prep; Tuskegee site year-round, Livingston area summers only. — Who qualifies: Rural families in need, mostly elderly, disabled or on fixed incomes; selected by urgency — Address: 305 E Thach Ave, Suite N, Auburn 36830 — Website: https://www.arm-al.org — Email: info@arm-al.org
• City of Opelika Emergency Home Repair Loan Program — Phone: 334-705-5155 — 5-year forgivable 0% loan for repairs threatening health/safety: electrical, plumbing, roofing, structural, accessibility, flooring, heating, sewer lines. — Who qualifies: Owner-occupants inside Opelika city limits, income <=80% HUD median, no mobile/modular homes, once per 5 years — Address: 700 Fox Trail, Opelika 36801 — Website: https://www.opelika-al.gov/155/emergency-home-repair-loan-program — Email: lharrelson@opelika-al.gov
• City of Auburn Community Services - Housing Programs — Phone: 334-501-7280 — CDBG Emergency Repair Grants and Housing Rehabilitation Loans for structural repairs and essential housing systems. — Who qualifies: Low-to-moderate income homeowners in Auburn city limits — Address: 400 Boykin St, Auburn — Website: https://www.auburnal.gov/community-development/housing-programs/ — Email: communityservices@auburnalabama.org

Limestone County, Alabama — Roof / Repair

• USDA Rural Development Section 504 Home Repair - Huntsville Area Office — Phone: (256) 532-1677 ext. 5 — 1% loans up to $40,000 and grants up to $10,000 (combined $50,000) to repair, modernize or remove health/safety hazards (roofs, plumbing, accessibility). — Who qualifies: Very-low/low-income owner-occupants in eligible rural areas unable to get credit elsewhere; grants only for age 62+ — Website: https://www.rd.usda.gov/programs-services/single-family-housing-programs/single-family-housing-repair-loans-grants/al

Lowndes County, Alabama — Roof / Repair

• USDA Rural Development Section 504 Home Repair - Camden Area Office — Phone: (334) 682-4116 ext. 4 — 1% loans up to $40,000 and grants up to $10,000 (combined $50,000) to repair, modernize or remove health/safety hazards (roofs, plumbing, accessibility). — Who qualifies: Very-low/low-income owner-occupants in eligible rural areas unable to get credit elsewhere; grants only for age 62+ — Website: https://www.rd.usda.gov/programs-services/single-family-housing-programs/single-family-housing-repair-loans-grants/al

Macon County, Alabama — Roof / Repair

• USDA Rural Development Section 504 Home Repair - Tuskegee Area Office — Phone: (334) 725-3321 ext. 4 — 1% loans up to $40,000 and grants up to $10,000 (combined $50,000) to repair, modernize or remove health/safety hazards (roofs, plumbing, accessibility). — Who qualifies: Very-low/low-income owner-occupants in eligible rural areas unable to get credit elsewhere; grants only for age 62+ — Website: https://www.rd.usda.gov/programs-services/single-family-housing-programs/single-family-housing-repair-loans-grants/al
• Alabama Rural Ministry — Phone: (334) 501-4276 — Volunteer home repairs that make homes warm, safe and dry; no emergency repairs. — Who qualifies: Homeowners in Macon and Lee counties, Waverly (Chambers), Camp Hill (Tallapoosa) and Hurtsboro (Russell); seniors, widows, people with disabilities and veterans get priority — Website: https://www.arm-al.org — Email: info@arm-al.org
• Alabama Rural Ministry — Phone: (334) 501-4276 — Volunteer home repair (leaking roofs, floors, unsafe/cold/wet homes), home maintenance and disaster prep; Tuskegee site year-round, Livingston area summers only. — Who qualifies: Rural families in need, mostly elderly, disabled or on fixed incomes; selected by urgency — Address: 305 E Thach Ave, Suite N, Auburn 36830 — Website: https://www.arm-al.org — Email: info@arm-al.org

Madison County, Alabama — Roof / Repair

• USDA Rural Development Section 504 Home Repair - Huntsville Area Office — Phone: (256) 532-1677 ext. 5 — 1% loans up to $40,000 and grants up to $10,000 (combined $50,000) to repair, modernize or remove health/safety hazards (roofs, plumbing, accessibility). — Who qualifies: Very-low/low-income owner-occupants in eligible rural areas unable to get credit elsewhere; grants only for age 62+ — Website: https://www.rd.usda.gov/programs-services/single-family-housing-programs/single-family-housing-repair-loans-grants/al
• CASA of Madison County — Phone: (256) 533-7775 — Home repairs, wheelchair ramps and transportation for seniors and homebound. — Who qualifies: Seniors and homebound residents
• City of Huntsville CDBG Home Rehabilitation Program — Phone: 256-427-5400 — Exterior home repairs, mainly roofing, vinyl siding and HVAC, for about 80-100 homes a year. — Who qualifies: Owner-occupants in Huntsville age 62+ and/or certified disabled with income at or below 80% AMI — Address: 305 Fountain Circle, 3rd Floor, Huntsville 35801 — Website: https://www.huntsvilleal.gov/residents/neighborhoods/community-development-block-grant/ — Email: comdev@huntsvilleal.gov

Marengo County, Alabama — Roof / Repair

• USDA Rural Development Section 504 Home Repair - Camden Area Office — Phone: (334) 682-4116 ext. 4 — 1% loans up to $40,000 and grants up to $10,000 (combined $50,000) to repair, modernize or remove health/safety hazards (roofs, plumbing, accessibility). — Who qualifies: Very-low/low-income owner-occupants in eligible rural areas unable to get credit elsewhere; grants only for age 62+ — Website: https://www.rd.usda.gov/programs-services/single-family-housing-programs/single-family-housing-repair-loans-grants/al
• Demopolis Area Habitat for Humanity — Phone: (334) 289-1177 — Habitat affiliate (home building/repair). — Who qualifies: Low-income homeowners (call for criteria) — Website: https://www.uwa.edu/app/uploads/2023/07/marengo.pdf

Marion County, Alabama — Roof / Repair

• USDA Rural Development: Cullman Area Office (504 home repair) — Phone: (256) 734-6471 ext. 4 — Where to file Section 504 home repair loan and grant applications for this area. — Who qualifies: Very-low-income homeowners who live in the home and can't get affordable credit elsewhere; grants only for age 62+ — Address: 501 4th St SW, Cullman 35055 — Website: https://www.rd.usda.gov/al
• USDA Rural Development Section 504 Home Repair - Cullman Area Office — Phone: (256) 734-6471 ext. 4 — 1% loans up to $40,000 and grants up to $10,000 (combined $50,000) to repair, modernize or remove health/safety hazards (roofs, plumbing, accessibility). — Who qualifies: Very-low/low-income owner-occupants in eligible rural areas unable to get credit elsewhere; grants only for age 62+ — Website: https://www.rd.usda.gov/programs-services/single-family-housing-programs/single-family-housing-repair-loans-grants/al

Marshall County, Alabama — Roof / Repair

• USDA Rural Development Section 504 Home Repair - Huntsville Area Office — Phone: (256) 532-1677 ext. 5 — 1% loans up to $40,000 and grants up to $10,000 (combined $50,000) to repair, modernize or remove health/safety hazards (roofs, plumbing, accessibility). — Who qualifies: Very-low/low-income owner-occupants in eligible rural areas unable to get credit elsewhere; grants only for age 62+ — Website: https://www.rd.usda.gov/programs-services/single-family-housing-programs/single-family-housing-repair-loans-grants/al

Mobile County, Alabama — Roof / Repair

• USDA Rural Development Section 504 Home Repair - Bay Minette Area Office — Phone: (251) 937-3297 ext. 4 — 1% loans up to $40,000 and grants up to $10,000 (combined $50,000) to repair, modernize or remove health/safety hazards (roofs, plumbing, accessibility). — Who qualifies: Very-low/low-income owner-occupants in eligible rural areas unable to get credit elsewhere; grants only for age 62+ — Website: https://www.rd.usda.gov/programs-services/single-family-housing-programs/single-family-housing-repair-loans-grants/al
• Rebuilding Together of South Alabama — Phone: 866-756-8178 — Free volunteer home repairs, accessibility modifications, disaster preparedness/recovery; Mon-Fri 8am-4pm. — Who qualifies: Low-income homeowners (no rentals or heir property) living in the home 3+ years; mainly veterans, seniors, people with disabilities, single parents — Address: P.O. Box 1752, Mobile 36633 — Website: https://rebuildingtogethersa.org — Email: twalker@rebuildingtogethersa.org
• City of Mobile Neighborhood Development Department — Phone: (251) 208-6290 — City housing programs listed for rental assistance and home repair. — Who qualifies: City of Mobile residents; income limits apply — Address: 205 Government St., South Tower, 5th Floor, Mobile, AL 36602 — Website: https://cityofmobile.org
• Habitat for Humanity of Southwest Alabama — Phone: (251) 476-7171 — Affordable homeownership and home-repair programs. — Who qualifies: Low-income homeowners and families — Address: 3712 Airport Blvd., Mobile, AL 36608
• Habitat for Humanity Mobile County CDBG Roof Replacement — Phone: (251) 476-7171 — Roof replacement for owner-occupants in Mobile County outside Mobile city limits; about 9 projects/year, first come first served. — Who qualifies: Deed-holding owner-occupant in Mobile County (not City of Mobile or Dauphin Island, not in FEMA flood zone), no liens/judgments, HUD income limits; pays 10% of project cost — Address: 3712 Airport Blvd, Mobile 36608 — Website: https://www.habitatswalabama.org/a-brush-with-kindness
• City of Mobile Critical Repair Program — Phone: (251) 208-6294 — Grants (up to $15,000 per city page) for essential repairs such as roof replacements; limited number of applications accepted. — Who qualifies: Owner-occupants inside Mobile city limits meeting HUD income limits, with a will (or work with Legal Services Alabama to get one); priority extremely low-income, elderly, disabled — Address: 110 N. Lafayette St., Mobile 36604 — Website: https://www.cityofmobile.gov/departments/neighborhood-development/neighborhood-development-individual-financial-assistance/

Monroe County, Alabama — Roof / Repair

• USDA Rural Development Section 504 Home Repair - Bay Minette Area Office — Phone: (251) 937-3297 ext. 4 — 1% loans up to $40,000 and grants up to $10,000 (combined $50,000) to repair, modernize or remove health/safety hazards (roofs, plumbing, accessibility). — Who qualifies: Very-low/low-income owner-occupants in eligible rural areas unable to get credit elsewhere; grants only for age 62+ — Website: https://www.rd.usda.gov/programs-services/single-family-housing-programs/single-family-housing-repair-loans-grants/al

Montgomery County, Alabama — Roof / Repair

• Central Alabama Disaster Relief — Phone: (512) 663-7645 — Volunteer home repair and services for persons with disabilities (Alabama VOAD member). — Who qualifies: Residents needing repairs, especially after disasters — Website: https://alabamavoad.org/members/central-alabama-disaster-relief/
• USDA Rural Development Section 504 Home Repair - Tuskegee Area Office — Phone: (334) 725-3321 ext. 4 — 1% loans up to $40,000 and grants up to $10,000 (combined $50,000) to repair, modernize or remove health/safety hazards (roofs, plumbing, accessibility). — Who qualifies: Very-low/low-income owner-occupants in eligible rural areas unable to get credit elsewhere; grants only for age 62+ — Website: https://www.rd.usda.gov/programs-services/single-family-housing-programs/single-family-housing-repair-loans-grants/al
• Montgomery Thrive Critical Home Repair Program — Phone: (334) 262-4300 — Critical repairs (roof, HVAC, plumbing, electrical, septic) for owner-occupied homes, run through CARPDC. — Who qualifies: Low- and moderate-income Montgomery County homeowners living in the home — Website: https://www.mc-ala.org/services/montgomery-thrive-critical-home-repair-program
• City of Montgomery Housing Development Division (CDBG/HOME) — Phone: See website — Administers City CDBG and HOME funds for low-to-moderate income residents, including housing rehabilitation; applications through Neighborly online portal. — Who qualifies: Low-to-moderate income City of Montgomery residents — Address: 25 Washington Avenue, 4th Floor, Montgomery 36104 — Website: https://montgomeryal.gov/government/city-government/city-departments/community-development/community-development-division — Email: smartin-bowen@montgomeryal.gov

Morgan County, Alabama — Roof / Repair

• USDA Rural Development Section 504 Home Repair - Huntsville Area Office — Phone: (256) 532-1677 ext. 5 — 1% loans up to $40,000 and grants up to $10,000 (combined $50,000) to repair, modernize or remove health/safety hazards (roofs, plumbing, accessibility). — Who qualifies: Very-low/low-income owner-occupants in eligible rural areas unable to get credit elsewhere; grants only for age 62+ — Website: https://www.rd.usda.gov/programs-services/single-family-housing-programs/single-family-housing-repair-loans-grants/al
• City of Decatur Community Development (Housing Rehabilitation) — Phone: (256) 341-4960 — CDBG-funded housing rehabilitation for low-to-moderate income Decatur residents; Mon-Fri 8am-5pm. — Who qualifies: Low-to-moderate income homeowners in Decatur — Address: 402 Lee Street NE, Fifth Floor, Decatur 35601 — Website: https://www.decatur-al.gov/government/departments/community_development/index.php — Email: agstover@decatur-al.gov

Perry County, Alabama — Roof / Repair

• USDA Rural Development Section 504 Home Repair - Camden Area Office — Phone: (334) 682-4116 ext. 4 — 1% loans up to $40,000 and grants up to $10,000 (combined $50,000) to repair, modernize or remove health/safety hazards (roofs, plumbing, accessibility). — Who qualifies: Very-low/low-income owner-occupants in eligible rural areas unable to get credit elsewhere; grants only for age 62+ — Website: https://www.rd.usda.gov/programs-services/single-family-housing-programs/single-family-housing-repair-loans-grants/al

Pickens County, Alabama — Roof / Repair

• USDA Rural Development Section 504 Home Repair - Tuscaloosa Area Office — Phone: (205) 553-1733 ext. 4 — 1% loans up to $40,000 and grants up to $10,000 (combined $50,000) to repair, modernize or remove health/safety hazards (roofs, plumbing, accessibility). — Who qualifies: Very-low/low-income owner-occupants in eligible rural areas unable to get credit elsewhere; grants only for age 62+ — Website: https://www.rd.usda.gov/programs-services/single-family-housing-programs/single-family-housing-repair-loans-grants/al
• Habitat for Humanity of Tuscaloosa — Phone: 205-349-4629 — FORTIFIED Roof Replacement program (application period opens Oct 1) plus homeownership; office by appointment. — Who qualifies: Owner-occupied single-family homes on permanent foundation (no mobile/manufactured/condo) with wind insurance; household income <= $85,687; no roof claim in last 6 months — Address: 2222 9th Street, Suite 201, Tuscaloosa 35401 — Website: https://www.habitattuscaloosa.org — Email: info@habitattuscaloosa.org

Pike County, Alabama — Roof / Repair

• USDA Rural Development Section 504 Home Repair - Ozark Area Office — Phone: (334) 774-4926 ext. 4 — 1% loans up to $40,000 and grants up to $10,000 (combined $50,000) to repair, modernize or remove health/safety hazards (roofs, plumbing, accessibility). — Who qualifies: Very-low/low-income owner-occupants in eligible rural areas unable to get credit elsewhere; grants only for age 62+ — Website: https://www.rd.usda.gov/programs-services/single-family-housing-programs/single-family-housing-repair-loans-grants/al

Randolph County, Alabama — Roof / Repair

• USDA Rural Development Section 504 Home Repair - Anniston Area Office — Phone: (256) 835-7821 ext. 4 — 1% loans up to $40,000 and grants up to $10,000 (combined $50,000) to repair, modernize or remove health/safety hazards (roofs, plumbing, accessibility). — Who qualifies: Very-low/low-income owner-occupants in eligible rural areas unable to get credit elsewhere; grants only for age 62+ — Website: https://www.rd.usda.gov/programs-services/single-family-housing-programs/single-family-housing-repair-loans-grants/al

Russell County, Alabama — Roof / Repair

• USDA Rural Development Section 504 Home Repair - Tuskegee Area Office — Phone: (334) 725-3321 ext. 4 — 1% loans up to $40,000 and grants up to $10,000 (combined $50,000) to repair, modernize or remove health/safety hazards (roofs, plumbing, accessibility). — Who qualifies: Very-low/low-income owner-occupants in eligible rural areas unable to get credit elsewhere; grants only for age 62+ — Website: https://www.rd.usda.gov/programs-services/single-family-housing-programs/single-family-housing-repair-loans-grants/al
• Alabama Rural Ministry — Phone: (334) 501-4276 — Volunteer home repairs that make homes warm, safe and dry; no emergency repairs. — Who qualifies: Homeowners in Macon and Lee counties, Waverly (Chambers), Camp Hill (Tallapoosa) and Hurtsboro (Russell); seniors, widows, people with disabilities and veterans get priority — Website: https://www.arm-al.org — Email: info@arm-al.org
• Alabama Rural Ministry — Phone: (334) 501-4276 — Volunteer home repair (leaking roofs, floors, unsafe/cold/wet homes), home maintenance and disaster prep; Tuskegee site year-round, Livingston area summers only. — Who qualifies: Rural families in need, mostly elderly, disabled or on fixed incomes; selected by urgency — Address: 305 E Thach Ave, Suite N, Auburn 36830 — Website: https://www.arm-al.org — Email: info@arm-al.org

Shelby County, Alabama — Roof / Repair

• USDA Rural Development Section 504 Home Repair - Tuscaloosa Area Office — Phone: (205) 553-1733 ext. 4 — 1% loans up to $40,000 and grants up to $10,000 (combined $50,000) to repair, modernize or remove health/safety hazards (roofs, plumbing, accessibility). — Who qualifies: Very-low/low-income owner-occupants in eligible rural areas unable to get credit elsewhere; grants only for age 62+ — Website: https://www.rd.usda.gov/programs-services/single-family-housing-programs/single-family-housing-repair-loans-grants/al
• Habitat for Humanity Greater Birmingham — Phone: (205) 780-1234 — Home Repair and Preservation (critical repairs, roof replacements incl. City-funded roof grants up to $10,000 and FORTIFIED roofs in select neighborhoods) plus homeownership with 0% mortgages. — Who qualifies: Low-to-moderate income homeowners; selected on need, willingness to partner and ability to pay — Address: 4408 Lloyd Noland Pkwy, Fairfield 35064 — Website: https://www.habitatbirmingham.org

St. Clair County, Alabama — Roof / Repair

• USDA Rural Development: Cullman Area Office (504 home repair) — Phone: (256) 734-6471 ext. 4 — Where to file Section 504 home repair loan and grant applications for this area. — Who qualifies: Very-low-income homeowners who live in the home and can't get affordable credit elsewhere; grants only for age 62+ — Address: 501 4th St SW, Cullman 35055 — Website: https://www.rd.usda.gov/al
• USDA Rural Development Section 504 Home Repair - Cullman Area Office — Phone: (256) 734-6471 ext. 4 — 1% loans up to $40,000 and grants up to $10,000 (combined $50,000) to repair, modernize or remove health/safety hazards (roofs, plumbing, accessibility). — Who qualifies: Very-low/low-income owner-occupants in eligible rural areas unable to get credit elsewhere; grants only for age 62+ — Website: https://www.rd.usda.gov/programs-services/single-family-housing-programs/single-family-housing-repair-loans-grants/al
• Habitat for Humanity Greater Birmingham — Phone: (205) 780-1234 — Home Repair and Preservation (critical repairs, roof replacements incl. City-funded roof grants up to $10,000 and FORTIFIED roofs in select neighborhoods) plus homeownership with 0% mortgages. — Who qualifies: Low-to-moderate income homeowners; selected on need, willingness to partner and ability to pay — Address: 4408 Lloyd Noland Pkwy, Fairfield 35064 — Website: https://www.habitatbirmingham.org

Sumter County, Alabama — Roof / Repair

• USDA Rural Development Section 504 Home Repair - Tuscaloosa Area Office — Phone: (205) 553-1733 ext. 4 — 1% loans up to $40,000 and grants up to $10,000 (combined $50,000) to repair, modernize or remove health/safety hazards (roofs, plumbing, accessibility). — Who qualifies: Very-low/low-income owner-occupants in eligible rural areas unable to get credit elsewhere; grants only for age 62+ — Website: https://www.rd.usda.gov/programs-services/single-family-housing-programs/single-family-housing-repair-loans-grants/al
• Alabama Rural Ministry — Phone: (334) 501-4276 — Volunteer home repair (leaking roofs, floors, unsafe/cold/wet homes), home maintenance and disaster prep; Tuskegee site year-round, Livingston area summers only. — Who qualifies: Rural families in need, mostly elderly, disabled or on fixed incomes; selected by urgency — Address: 305 E Thach Ave, Suite N, Auburn 36830 — Website: https://www.arm-al.org — Email: info@arm-al.org

Talladega County, Alabama — Roof / Repair

• USDA Rural Development Section 504 Home Repair - Anniston Area Office — Phone: (256) 835-7821 ext. 4 — 1% loans up to $40,000 and grants up to $10,000 (combined $50,000) to repair, modernize or remove health/safety hazards (roofs, plumbing, accessibility). — Who qualifies: Very-low/low-income owner-occupants in eligible rural areas unable to get credit elsewhere; grants only for age 62+ — Website: https://www.rd.usda.gov/programs-services/single-family-housing-programs/single-family-housing-repair-loans-grants/al

Tallapoosa County, Alabama — Roof / Repair

• USDA Rural Development Section 504 Home Repair - Tuskegee Area Office — Phone: (334) 725-3321 ext. 4 — 1% loans up to $40,000 and grants up to $10,000 (combined $50,000) to repair, modernize or remove health/safety hazards (roofs, plumbing, accessibility). — Who qualifies: Very-low/low-income owner-occupants in eligible rural areas unable to get credit elsewhere; grants only for age 62+ — Website: https://www.rd.usda.gov/programs-services/single-family-housing-programs/single-family-housing-repair-loans-grants/al
• Alabama Rural Ministry — Phone: (334) 501-4276 — Volunteer home repairs that make homes warm, safe and dry; no emergency repairs. — Who qualifies: Homeowners in Macon and Lee counties, Waverly (Chambers), Camp Hill (Tallapoosa) and Hurtsboro (Russell); seniors, widows, people with disabilities and veterans get priority — Website: https://www.arm-al.org — Email: info@arm-al.org
• Alabama Rural Ministry — Phone: (334) 501-4276 — Volunteer home repair (leaking roofs, floors, unsafe/cold/wet homes), home maintenance and disaster prep; Tuskegee site year-round, Livingston area summers only. — Who qualifies: Rural families in need, mostly elderly, disabled or on fixed incomes; selected by urgency — Address: 305 E Thach Ave, Suite N, Auburn 36830 — Website: https://www.arm-al.org — Email: info@arm-al.org

Tuscaloosa County, Alabama — Roof / Repair

• USDA Rural Development Section 504 Home Repair - Tuscaloosa Area Office — Phone: (205) 553-1733 ext. 4 — 1% loans up to $40,000 and grants up to $10,000 (combined $50,000) to repair, modernize or remove health/safety hazards (roofs, plumbing, accessibility). — Who qualifies: Very-low/low-income owner-occupants in eligible rural areas unable to get credit elsewhere; grants only for age 62+ — Website: https://www.rd.usda.gov/programs-services/single-family-housing-programs/single-family-housing-repair-loans-grants/al
• Habitat for Humanity of Tuscaloosa — Phone: 205-349-4629 — FORTIFIED Roof Replacement program (application period opens Oct 1) plus homeownership; office by appointment. — Who qualifies: Owner-occupied single-family homes on permanent foundation (no mobile/manufactured/condo) with wind insurance; household income <= $85,687; no roof claim in last 6 months — Address: 2222 9th Street, Suite 201, Tuscaloosa 35401 — Website: https://www.habitattuscaloosa.org — Email: info@habitattuscaloosa.org
• Habitat for Humanity Tuscaloosa - Roof Replacement — Phone: (205) 349-4629 — Roof replacement program for homeowners; ReStore sells low-cost furniture and building supplies. — Who qualifies: Low-income homeowners (call for criteria) — Address: 2222 9th St, Suite 201, Tuscaloosa 35401 — Website: https://www.habitattuscaloosa.org/roof-repair
• City of Tuscaloosa Let's Paint Let's Renovate Program — Phone: 205-248-5080 — CDBG repairs of major systems (mechanical, electrical, plumbing, structural, accessibility) for low-to-moderate income homeowners. — Who qualifies: Owner-occupants inside Tuscaloosa city limits, income under 80% AMI, current on mortgage/taxes, active insurance, HUD housing counseling (call 205-248-5080 to enroll) — Address: 2230 7th Street, Tuscaloosa 35401 — Website: https://www.tuscaloosa.com/posts/2026/07/13/office-of-community-and-neighborhood-services-to-accept-applications-for-lets-paint-lets-renovate-program — Email: cnservices@tuscaloosa.com

Walker County, Alabama — Roof / Repair

• USDA Rural Development: Cullman Area Office (504 home repair) — Phone: (256) 734-6471 ext. 4 — Where to file Section 504 home repair loan and grant applications for this area. — Who qualifies: Very-low-income homeowners who live in the home and can't get affordable credit elsewhere; grants only for age 62+ — Address: 501 4th St SW, Cullman 35055 — Website: https://www.rd.usda.gov/al
• USDA Rural Development Section 504 Home Repair - Cullman Area Office — Phone: (256) 734-6471 ext. 4 — 1% loans up to $40,000 and grants up to $10,000 (combined $50,000) to repair, modernize or remove health/safety hazards (roofs, plumbing, accessibility). — Who qualifies: Very-low/low-income owner-occupants in eligible rural areas unable to get credit elsewhere; grants only for age 62+ — Website: https://www.rd.usda.gov/programs-services/single-family-housing-programs/single-family-housing-repair-loans-grants/al
• Habitat for Humanity Greater Birmingham — Phone: (205) 780-1234 — Home Repair and Preservation (critical repairs, roof replacements incl. City-funded roof grants up to $10,000 and FORTIFIED roofs in select neighborhoods) plus homeownership with 0% mortgages. — Who qualifies: Low-to-moderate income homeowners; selected on need, willingness to partner and ability to pay — Address: 4408 Lloyd Noland Pkwy, Fairfield 35064 — Website: https://www.habitatbirmingham.org

Washington County, Alabama — Roof / Repair

• USDA Rural Development Section 504 Home Repair - Bay Minette Area Office — Phone: (251) 937-3297 ext. 4 — 1% loans up to $40,000 and grants up to $10,000 (combined $50,000) to repair, modernize or remove health/safety hazards (roofs, plumbing, accessibility). — Who qualifies: Very-low/low-income owner-occupants in eligible rural areas unable to get credit elsewhere; grants only for age 62+ — Website: https://www.rd.usda.gov/programs-services/single-family-housing-programs/single-family-housing-repair-loans-grants/al
• Rebuilding Together of South Alabama — Phone: 866-756-8178 — Free volunteer home repairs, accessibility modifications, disaster preparedness/recovery; Mon-Fri 8am-4pm. — Who qualifies: Low-income homeowners (no rentals or heir property) living in the home 3+ years; mainly veterans, seniors, people with disabilities, single parents — Address: P.O. Box 1752, Mobile 36633 — Website: https://rebuildingtogethersa.org — Email: twalker@rebuildingtogethersa.org

Wilcox County, Alabama — Roof / Repair

• USDA Rural Development Section 504 Home Repair - Camden Area Office — Phone: (334) 682-4116 ext. 4 — 1% loans up to $40,000 and grants up to $10,000 (combined $50,000) to repair, modernize or remove health/safety hazards (roofs, plumbing, accessibility). — Who qualifies: Very-low/low-income owner-occupants in eligible rural areas unable to get credit elsewhere; grants only for age 62+ — Website: https://www.rd.usda.gov/programs-services/single-family-housing-programs/single-family-housing-repair-loans-grants/al

Winston County, Alabama — Roof / Repair

• USDA Rural Development: Cullman Area Office (504 home repair) — Phone: (256) 734-6471 ext. 4 — Where to file Section 504 home repair loan and grant applications for this area. — Who qualifies: Very-low-income homeowners who live in the home and can't get affordable credit elsewhere; grants only for age 62+ — Address: 501 4th St SW, Cullman 35055 — Website: https://www.rd.usda.gov/al
• USDA Rural Development Section 504 Home Repair - Cullman Area Office — Phone: (256) 734-6471 ext. 4 — 1% loans up to $40,000 and grants up to $10,000 (combined $50,000) to repair, modernize or remove health/safety hazards (roofs, plumbing, accessibility). — Who qualifies: Very-low/low-income owner-occupants in eligible rural areas unable to get credit elsewhere; grants only for age 62+ — Website: https://www.rd.usda.gov/programs-services/single-family-housing-programs/single-family-housing-repair-loans-grants/al