Programs that provide loans to qualified people with disabilities who want to install ramps or elevators, widen doorways, install grab bars in showers and bathrooms, lower kitchen and other cabinets or make other modifications in their homes in order to make them more accessible.

Programs that provide cash assistance for people who need to make essential repairs to their homes in order to eliminate health or safety hazards or improve their security. Most grant programs cover major repairs, system upgrades and replacements (e.g., plumbing, heating or electrical systems) but not minor repairs. Age, income, disability or other eligibility requirements may apply.

Programs that provide loans for income-eligible people who want to repair or modify their homes or mobile homes to make them energy-efficient, attractive, safe and free of health hazards; or which help eligible individuals find loans for this purpose. Most loan programs cover major repairs, system upgrades and replacements (e.g., plumbing, heating or electrical systems) but not minor repairs. Included are conventional home rehabilitation loans, deferred loans (in which payments are deferred until the home is sold) and forgivable loans (in which all or a part of the loan is forgiven if the borrower resides in the home for a specified period of time). The forgiven part of a forgivable loan amounts to a contingent grant. If the borrower sells the home prior to the specified time period, all or part of the loan is due. A common variation is to have portions of the loan forgiven gradually over a period of years.

Individuals who are generally between the ages of 18 and 25 depending on the ages that specific programs use for qualification.

Individuals or families whose annual income is between 150 and 200% of poverty level for their family size.

Individuals and families who have needs and interests in common based on living in relatively unpopulated areas or in areas devoted principally to agriculture.