Homeowner Qualifications

Household income limits are placed on the program by HUD. The applicant must establish household size and submit documentation of household income to qualify for the program. Verification of household income is done by approved methods.

All applicants and co-applicants must be current on payments for child support. If the applicant or co-applicant is not current on child support, that member will be required to enter into a payment plan.

The disaster recovery funds are supplemental to primary forms of assistance, including private insurance and FEMA funds. The Stafford Act prohibits entities, including households, from receiving disaster recovery funding for a loss which has previously received financial assistance from any source. DOB verification and analysis ensures that program funds compensate applicants for damages and needs that have not been addressed by an alternate source, either through funding or assistance.

The home to be rehabilitated, reconstructed or replaced must have been occupied by the applicant as the applicant’s principal residence at the time of the disaster event. Vacation homes or rental properties are not eligible for assistance under the Homeowner Recovery Program.

The applicant must be an individual who owns the property to be repaired, rebuilt or replaced due to disaster event. Ownership must be documented prior to receiving disaster recovery assistance.

If the applicant qualifies for disaster recovery assistance and has been awarded funding, there are conditions placed on the applicant receiving the assistance. The conditions are outlined in an unsecured forgivable promissory note that is executed by the applicant.