HDA carpenters have completed 900 home repairs throughout our area. In the counties we serve in East Kentucky (Breathitt, Knott, Leslie, and Perry), many houses are aging, in need of updated sources of heating and cooling, and/or are not safe and accessible for those who live there. We remedy those problems by making home repairs and home rehabilitations at an affordable price for the homeowner.
Many of the homeowners we’ve helped are elderly, disabled, live alone, and/or are Veterans. Our program helps income-eligible low-income homeowners get the home repairs they need – repairs that would be difficult for them to make physically or afford without our assistance. While improving the home’s quality, our repairs also allow the homeowner(s) to continue living independently in their own home.
We help you get the money to finance the repairs, and then, our carpenters do the work!
After submitting the online Get Started and/or the Home Repair Intake form, please be patient as our Home Repair Program staff evaluates your application and prepares to contact you.
Inside or outside, our carpenters may be able to make the improvements your home needs. It doesn’t matter whether your home is a stick-built house or a trailer home – our crews make repairs for any low-income homeowner who qualifies for our program. Whether you’re looking to grow old comfortably in your home or make it a better, healthier space for you and your family, HDA is here to make the home repairs you need at a cost that’s affordable for you!
Our crews perform home rehabilitations on houses that require two or more major projects, involving repairs such as roof replacement, bathroom replacement, and installing new doors and windows.
We improve homes by replacing roofs, installing new flooring and siding, replacing windows and doors, repairing/adding porches and steps, making plumbing repairs, and making energy efficient upgrades.
HDA carpenters make your home safer and more secure by building wheelchair ramps, porches, widening doorways, installing grab bars, and modifying kitchens and bathrooms.
Our program uses funds from many sources, each having its own set of guidelines and requirements. Most of our clients receive a combination of loans and grants to finance the repairs on their home.
The home must be owner-occupied. That means we can’t help people repair a home to move into or help set up a mobile home. The home must be yours, and you must live in it.
We calculate your annual income to see which of our funding sources you may be income-eligible for. There is no bottom income limit, but each program has a top income limit based on family size. These limits increase periodically. We are currently piloting an "open market" repair program for households that fall above the guidelines for all of our "income-based" programs.
The Housing Development Alliance administers a variety of repair programs, each with different income eligibility requirements.
Each household will need to have some income that can be verified. (Income could be as low as $256 per month, or even lower – it just has to be verified that it is being received.)
The least restrictive program we regularly use has these maximum limits based on gross monthly income:
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.
Some of our programs look at how much money a household is already paying in other lines of credit. *This is only for loan options. This is done mainly to protect the client from future financial stress.
Each loan source has its own requirements. None of them require "perfect" credit, but may require the client to pay collections or charge-offs prior to application. We work with Redbud Financial Alternatives to provide financial counseling and other products to help clients get eligible. It often takes both loans and grants to complete all of the repairs.
Each program has different requirements on what sort of repairs they will fund. Some programs will only fund emergency or accessibility repairs. Also, a few programs require that the home must be brought up to a certain standard in order for any work to be done.
This home had heavily flood-damaged carpeting and aging wood flooring underneath.
New wood flooring, selected by the homeowner, was installed by HDA throughout the house.
These aging steps and handrails had become dangerous for the homeowner.
HDA replaced the steps with a much sturdier, safer structure complete with a solid base.
This concrete porch posed safety risks to the homeowner and made the home nearly inaccessible.
HDA made the porch much safer and the home more accessible for the homeowner by installing wooden railing and grab bars.
This home had worn, damaged shingling and inadequate tin roofing over the carport.
HDA installed new 30-year shingles over the entire house and installed a new ridge vent over the top of the house.
Having a home should not be a hardship. Help make homes more affordable for Eastern Kentucky families!
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If you would like to take part in HDA’s traditional Volunteer Program, our Ultimate House Raising Challenge, or in providing Flood Disaster Recovery, please fill in your details below.
Shortly after the form is received, our Volunteer Coordinator will reach out to you. If, for some reason, you haven’t heard from us within a week of submitting the form, please call us at 606-436-0497.
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