First-Time Buyers & Existing Homeowners
The Cumberland County Housing and Redevelopment Authority (CCHRA) offers a number of programs for those looking to become homeowners. One of their programs includes a free workshop educating first-time buyers on the home buying process.
Already own a home? The Authority has programs to benefit low and moderate-income households that can assist with needed emergency repairs. Need to update your home to make it easier to get around or more accessible for a wheelchair? The Authority administers several grant programs that address such ADA needs and can help you regain mobility within your home.
Down Payment & Closing Cost Assistance Program: provides up to $5,000 in assistance to qualified first-time homebuyers who have lived or worked in Cumberland County for at least six months and wish to purchase a single family home in Cumberland County.
Emergency Repair Loans: can provide up to $10,000 in assistance to Cumberland County homeowners in need of emergency repairs to their home through an interest-free deferred loan.
Whole Homes Program: For homeowners: pays for home repairs, focusing on those to correct code deficiencies, in residences of qualified homeowners. Grants of up to $25,000 are available with a maximum of $50,000 per household. A lien will be filed on the property and the homeowner must reside in the home for five years from the date of the Grant Agreement for the lien to be removed.
Programs for Landlords
Small Landlord Revolving Loan Fund: used to help fund the conversion and/or preservation of existing affordable rental housing in Cumberland County by providing low interest loan rates to landlords with a need to renovate 10 or fewer affordable housing units.
Landlord Incentive Program: participating landlords will receive reimbursement for short-term vacancies and minor unit repairs when they rent their unit to a renter with a housing voucher or in need of Emergency Shelter.
Whole Homes Repair: Small landlords can apply for a loan to make repairs for up to $50,000 per rental unit and they would be required to house a person under 80% AMI annually. There is forgivability if the landlord meets established criteria. Please reach out to the CCHRA for more information.