Home Repairs

Protect Your Home. Protect Your Independence.

Affordable, essential home repairs for income-eligible homeowners in Eastern Kentucky - completed by HDA’s experienced carpenters.

Applying does not guarantee immediate service. Our team will guide you through next steps.

This short form lets us know what type of help you’re looking for and how to contact you. This is not an application and does not determine eligibility. After reviewing your information, our staff will contact you to discuss next steps and – if appropriate – invite you to complete a full Repair Intake.

This is the full intake form for the Home Repair Program. Not sure which form to complete? Start with Get Started – our team will guide you from there.

Why This Program Exists

Your home is often your greatest investment – and for many people, it’s also their only source of stability.

Across Breathitt, Knott, Leslie, and Perry counties, many homes are aging, unsafe, or no longer meet the needs of the people living in them. Repairs can be costly, physically demanding, and overwhelming – especially for older adults, people with disabilities, veterans, and those living alone.

HDA’s Home Repair Program exists to help homeowners stay safely and independently in their homes by providing affordable, high-impact repairs completed by our skilled carpentry crews.

To date, HDA has completed well over 1,100 home rehabs & repairs across the four counties we serve (Breathitt, Knott, Leslie, and Perry) in Eastern Kentucky.

Who We Serve

Our Home Repair Program primarily serves income-eligible homeowners, including many who are:

Older adults aging in place
People with disabilities or mobility challenges
Veterans
Individuals or households living alone

Our goal is not just to fix houses – but to help people remain safely housed, independent, and secure.

Types of Repairs We Provide

Home Rehabilitations

For homes needing two or more major repairs, such as:

Roof replacement
Bathroom replacement
Flooring replacement
Doors and windows

Critical Repairs

Repairs that address safety, weatherization, or structural needs, including:

Roofing, siding, flooring
Plumbing and electrical repairs (made through trusted local subcontractors)
Porches, steps, doors, and windows
Energy-efficiency improvements
HVAC installation available through a subcontractor

Accessibility Repairs

Repairs that improve safety and mobility, including:

Wheelchair ramps and porches
Widened doorways
Grab bars
Kitchen and bathroom modifications

Repairs may be completed on stick-built homes or mobile homes, as long as the homeowner qualifies.

What to Expect

The Home Repair Process

Step 1: Submit a Get Started or Home Repair Intake Form
Once submitted, your information is reviewed by our Home Repair team.

Important Note About Wait Times
Due to increased demand following the 2022 and 2025 flood disasters, wait times for contact, home visits, and repairs are longer than usual. We appreciate your patience as our team works through a growing list of requests.

Step 2: Initial Contact
Watch for communication by mail, phone, or email. Response times can range from several days to longer depending on demand.

Step 3: Intake Meeting
You’ll schedule an intake meeting – by phone or in person – to discuss your needs and next steps.

Step 4: Document Review & Home Visit
After documents are received and reviewed, we’ll schedule a home visit when capacity allows.

Step 5: Repair Estimate & Approval
Our team prepares a repair estimate and completes your application. You’ll be notified of approval status and timing.

We know waiting can be difficult. Please know that responding promptly to our communications helps move your application forward.

How to Qualify

Basic Requirement

The home must be owner-occupied.
We cannot repair homes someone plans to move into or set up.

Other Requirements:

Income Eligibility

Eligibility varies by funding source
No minimum income, but income must be verifiable
Maximum income limits depend on household size

The least restrictive program we regularly use has these maximum limits based on gross monthly income:

1 to 4 Person Household – $3,291 per month
5 to 8 Person Household – $4,375 per month
Both programs can lend up to $7,500 before a mortgage is required.

Along with income requirements, there are additional eligibility requirements for HDA’s Home Repair Program. Also, some of our programs even offer deductions that can help you become eligible! If you are close to an income limit, please contact us to discuss these deductions.

Loans, Grants, Credit & Debt

Most projects use a combination of loans and grants
Credit does not need to be “perfect”
Debt review applies only to loan-based programs
Redbud Financial Alternatives provides financial counseling and support

Scope of Work

Each funding source limits what types of repairs it can support
Some programs fund only emergency or accessibility repairs
Some require homes to meet minimum standards before work begins

See The Difference Our Work Makes!

Glen & Geneva's House: Before & After Floor Repair

BEFORE

AFTER

Glen & Geneva's House: Before & After Ramp Construction

BEFORE

AFTER

Glen & Geneva's House: Before & After Bathroom Modification

BEFORE

AFTER

Glen & Geneva's House: Before & After Roof Repair

BEFORE

AFTER

Homeowner Testimonial

"If it hadn't been for HDA, we'd have been destroyed. With our medical bills the way they are, there was no way I could pay for any repairs. We appreciate the work and praise the Lord for it. It's taken a lot of worry away from us. These repairs will do us for the rest of our lives! Before, we were ashamed to invite anybody in because our house looked so bad. Now, we don't care who comes in!"

Glen & Geneva

Home Rehab Recipients

Nevada's House: Before & After Floor Repair

HDA also replaced doors & windows in the home

BEFORE

AFTER

New Flooring Throughout the Home

New Front Windows

Nevada's House: Before & After Porch Accessibility Repairs

BEFORE

AFTER

Homeowner Testimonial

"You all don't know how much you've blessed me! When I first went to HDA, I asked for new windows, a door, and a roof. But when the staff came out and looked at it, they added a lot more to the list. The work HDA has done has saved my house. I don't know what I would have done, because I couldn't afford it. I appreciate everything you all have done for me. At least now, as I get older, I won't have to worry about my house. When folks out there give to HDA, they can know someone is going to get the help they need. That makes a big difference!"

Nevada

Home Rehab Recipient

Testimonial

Home repairs can feel overwhelming – but you don’t have to navigate the process alone.

HDA’s Home Repair team is here to answer questions, explain options, and help determine whether this program is right for you.

1. Is there a cost for home repairs?
Yes – but repairs are made affordable. Most homeowners receive a combination of grants and low-interest loans based on income, household size, and the type of repair needed. We will explain all costs before any work begins.

2. Do I have to own my home to qualify?
Yes. The home must be owner-occupied, meaning you own the home and live in it. We are not able to repair homes you plan to move into or homes owned by someone else.

3. What kinds of repairs can you help with?
We focus on critical health and safety repairs, accessibility improvements, and major home rehabilitations. This can include roofs, floors, plumbing, electrical issues, ramps, HVAC (through a subcontractor), and more. Cosmetic repairs are generally not eligible.

4. How long will it take to hear back after I get started?
Due to high demand – especially following recent flood disasters – response and wait times are longer than usual. After you submit the Get Started form, our staff will contact you when your request reaches the next step. We appreciate your patience.

5. Why are there two forms?
We use two forms to make the process easier and more efficient for homeowners. The Get Started form is a short first step that lets us understand your situation and determine which repair programs may be a good fit. After reviewing that information, an HDA staff member will contact you to talk through next steps. The Home Repair Intake form is the full application and collects detailed information needed to determine eligibility and funding options. Most people begin with Get Started – our team will help you from there.

6. Does flooding affect my eligibility?
We assist homeowners who were affected or impacted by flooding, whether repairs are flood-related or not. Flood-related needs may qualify for specific funding sources, but all requests are reviewed individually.

Home Repairs

Protect Your Home. Protect Your Independence.

Affordable, essential home repairs for income-eligible homeowners in Eastern Kentucky - completed by HDA’s experienced carpenters.

Why This Program Exists

Who We Serve

Types of Repairs We Provide

Home Rehabilitations

Critical Repairs

Accessibility Repairs

What to Expect

The Home Repair Process

How to Qualify

Basic Requirement

Other Requirements:

See The Difference Our Work Makes!

Glen & Geneva's House: Before & After Floor Repair

Glen & Geneva's House: Before & After Ramp Construction

Glen & Geneva's House: Before & After Bathroom Modification

Glen & Geneva's House: Before & After Roof Repair

Homeowner Testimonial

Nevada's House: Before & After Floor Repair

HDA also replaced doors & windows in the home

Nevada's House: Before & After Porch Accessibility Repairs

Homeowner Testimonial

Testimonial

Need Help Applying or Have Questions? Contact:

For questions about repairs and rehab, contact:

Quick Links

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Flood-Impacted Households Assistance Request

Assistance Request

Volunteer & Group Interest Form