HOME REPAIR PROGRAM

Habitat MontDelco does not provide emergency or crisis-based repairs.

If you are experiencing issues within your home dial 211 or visit pa211.org for assistance, Habitat MontDelco may refer you to another program, but we can't guarantee service or timing.

Restoring More than Homes

This program is a construction-based resource that provides income-qualified homeowners with necessary health, safety, and accessibility-related home repairs and modifications within Montgomery and Delaware counties. Through this program, Habitat MontDelco aims to stabilize communities, address the counties’ aging housing stock, preserve naturally occurring affordable homeownership, and prevent qualifying homeowners from being displaced.

Step by step guide

Please note: this program typically has a waiting period. No homeowner will be forwarded an application on the spot. Please also be aware that if your home is currently NOT insured you are not eligible for this program.

There are no exceptions to this policy. Only households in our inquiry database will receive applications.

The funding for our owner-occupied programs comes from different sources, each with specific rules about how, where, and for whom (such as older adults, veterans, etc.) the funds can be used.

Step 1. Submit an inquiry.

This will add you to our inquiry database, and when we have funding that matches your home's needs, Habitat MontDelco will send you an application.

Step 7. HOMEOWNERS will sign an agreement for conduct and liability, which includes the proposed scope of work for the home, and work will commence in the order in which agreements are received.

Habitat will, upon the completion of work, collect completion photos and verifications from both the contractor(s) and homeowner, and close the project out with paperwork documenting what work was completed in the home, as well as warranty information.

SUBMIT AN INQUIRY

If you’ve already submitted a program inquiry using the form, you are registered in our system. To check the status of your inquiry or update the information you provided, feel free to contact us at repair@habitatmontdelco.org, or call (610) 278-7710.

Repairs & Repayment

Roof repair/Replacement
Water Heater Replacement
Porch Repair or Replacement
Plumbing Repairs
Minor Electrical repairs
Bathroom Repairs
Zero-step entry solutions
Grab bars and handrails
Door widening
Stair Lifts

Household Income Level

Repayment Requirement

30-50% AMI

Will pay 6% of project cost.

min. $125 - max $900

50-80% AMI

Will pay 10% of project cost.

min. $125 - max $1500

0-30% AMI

Will pay 3% of project cost.

min. $125 - max $450

Homeowners in the repair program may be responsible for repaying a small portion of the project cost to Habitat, with flexible monthly payments. Some funding sources offer forgivable property liens instead of upfront costs.

How do I Know If I Might Qualify?

To be considered eligible, applicant(s):

Must be unable to perform repairs themselves and/or be unable to pay someone to do the repairs.
Must be willing to partner with HFHMontDelco by upholding the terms of the program agreement with HFHMontDelco, and being responsive, helpful, and hospitable.
Must be a Montgomery Co. or Delaware Co. homeowner and currently reside in the home.
The homeowner must have lived in the home for a minimum of one year before applying. Homeowner must plan on living in the home for a minimum of two years after work is completed- **This may vary depending on funding sources utilized for repairs.
Have a current homeowner’s insurance policy in place for the home.
May need to verify that they are current on Property Taxes and/or Mortgage payments. **This is dependent on funding sources anticipated for repairs**
Have a total gross household income below the levels listed in this chart:

Household Size	Maximum Annual Income Allowed (Gross)
1 person	$66,850
2 people	$76,400
3 people	$85,950
4 people	$95,500
5 people	$103,150
6 people	$110,800
7 people	$118,450
8+ people	$126,100

There is no minimum income needed to qualify. We do not consider assets. Updated per HUD Guidelines as of 04/01/2025

Home Visit Requirements

An additional component of determining a home’s eligibility is a home visit to assess the home’s suitability for Habitat MontDelco’s program capabilities. During this visit, we will need to access key areas in your home to perform these services. If we cannot safely access these areas due to significant clutter in your home or other reasons, you may be limited to receiving exterior services or denied by policy. This determination is made on a case-by-case basis.

***Please note that some homes, dependent on the funding source anticipated, will be subject to additional levels of review and qualification such as lead testing, and environmental review***

Common Real Estate Terms

Throughout your application journey, you may come across terms that are unfamiliar. Our glossary is here to help you understand them with ease.

Term Name	Definition
Amortization	The process of gradually paying off a loan through regular payments over a specified period.
Appraisal	A process conducted by a qualified appraiser to estimate fair market value, often for real estate transactions, insurance, or tax purposes.
Credit Score	A number representing a person's creditworthiness based on credit history.
Down payment	An initial investment in your new home that establishes your ownership of the property.
Equity	How much of your home you own and how much you owe on your mortgage loan.
Escrow	A legal arrangement where a third party holds funds or documents until certain conditions are met in a transaction.
Fixed-rate mortgage	A home loan with an interest rate that is set when you take out the loan.
Homeowners insurance	An insurance policy combines personal liability insurance and hazard insurance coverage for a residence and its contents.
Inspection	Uncover issues with the structure of the house before purchase.
Interest rate	How much you’ll pay to borrow money for a home purchase throughout the duration of the loan.
Mortgage insurance	Paid by the borrower and protects the lender in case you aren’t able to keep up with the payments
Principal	The original sum of money borrowed in a loan or the amount still owed, excluding interest.
Property taxes	A tax paid on a residential property owned by individuals. The rate is determined by a local government.
Purchase agreement	A legal document detailing the terms of a potential real estate transaction.
Title Insurance	Insurance that protects against financial loss from defects in a property's title.

Habitat MontDelco’s Home Repair program is a construction-based resource aimed at identifying and addressing health, safety, and accessibility-related needs in eligible homes. The goal of this program is to provide owner-occupied homes with a safe, healthy, and accessible environment.

Funding for our repair program comes from several different sources, and many of those funding sources operate on their own timelines and terms. This means that not every home, or homeowner, will qualify outright simply because there is funding available. For example, some of our funds may be geographically specific, some may be specific to Veteran households, Senior households, etc. Some may be restricted by project type (ie. only for roofing, or only for accessibility, etc.)