Calling all mobile and manufactured homeowners in Virginia !
Did you know you may be eligible for financial assistance to help with critical repairs, weatherization upgrades, or even full home replacement? Many state, federal, and nonprofit programs exist specifically to support mobile home owners like you with essential home repairs.
One of the most widely available resources is the USDA’s Section 504 Home Repair Program. This federal program offers loans and grants to help repair, improve, or modernize your home, and to eliminate health and safety hazards. Homeowners can apply for loans up to forty thousand dollars. Seniors aged sixty-two or older may be eligible for grants of up to ten thousand dollars, or fifteen thousand in designated disaster areas.
To qualify, you must own and occupy the home as your primary residence, and your household income must fall within the USDA’s low-income limits. If you’re approved for a loan above twenty-five thousand dollars, the USDA will also require full title service or a legal check to verify ownership and property records. This program is especially helpful for homeowners in rural areas, and it can cover repairs like roofing, electrical work, or accessibility modifications that make your home safer and more livable.
In Virginia, the Essential Home and Accessibility Repair Program provides funding through local agencies to help low-income homeowners and disabled individuals fix urgent housing problems. The program addresses health and safety repairs—like plumbing, electrical, roofing, structural issues—and accessibility modifications such as wheelchair ramps, wider doors, and grab bars. To qualify, households must have an income under 80% of the area median income (AMI). EHARP serves both homeowners and renters (with landlord approval). The maximum assistance under EHARP is $4,000 per home; in rare hardship cases, that cap can be raised to $7,500 with special approval.
The program is managed through local administrators and isn’t available everywhere. Some cities and counties that are “entitlement jurisdictions” are excluded and must rely on their own local programs. If you think you may qualify, check with your local Virginia Department of Housing & Community Development provider to find out if EHARP is active in your county and how to apply.
There are also nonprofit organizations that may be able to help, depending on where you live and what you need. Groups like Rebuilding Together and Habitat for Humanity sometimes offer free or low-cost repair services for low-income mobile home owners, seniors, or people with disabilities. Program availability and eligibility requirements may vary by county or change over time, so be sure to check with the administering organization for the most up-to-date information.
If you’re a mobile home owner in Virginia , these resources can make a real difference in maintaining the safety, value, and comfort of your home.
Overview:
- The USDA Section 504 Home Repair Program offers loans and grants to help repair and improve your home.
- Virginia’s Essential Home and Accessbility Repair Program provides funding through local agencies to help qualifying homeowners fix critical housing issues.
- Non-profit organizations like Rebuilding Together and Habitat For Humanity sometimes offer low-cost repair surfaces for low-income households or homeowners with disabilities.
Programs and Resources:
USDA Section 504 Home Repair Program / Single Family Housing Repair Loans & Grants
https://www.rd.usda.gov/programs-services/single-family-housing-programs/single-family-housing-repair-loans-grants
Department of Housing and Community Development | Essential Home and Accessibility Repair Program (EHARP)
https://www.dhcd.virginia.gov/eharp
Rebuilding Together / Find your local affiliate
https://rebuildingtogether.org/find-your-local-affiliate
Habitat for Humanity / Find your local habitat
https://www.habitat.org/volunteer/near-you/find-your-local-habitat
