City of El Paso Single-Family Owner-Occupied (SFOO) Home Repair Loans

Services for Homeowners in El Paso:

• Department of Community and Human Development offers services
• Homeowners can apply for Single-Family Owner-Occupied (SFOO) Program
• Special Assistance Program offers minor home repair funds up to $20,000
• Residential Sewer Connection provides assistance for initial connection to local sewer collection lines
• Home Rehabilitation and Reconstruction Program offers eligible loan assistance from $20,000 to $65,000
• Loans for qualified senior citizens and persons with disabilities can be structured as a 15-Year Forgivable Deferred Payment Loan
• Additional assistance available for Accessibility, Lead/Asbestos/Mold Abatement/Encapsulation, Relocation, and Historic Preservation
• Resources for housing rehabilitation programs in Plano and Dallas are available
• 2023 Texas Home Programs offers assistance for City of El Paso Home Repair Loans.

Eligibility Requirements:

• Own and occupy the property for 3 years prior to applying
• Gross annual household income must be below 80% of the median household income for El Paso
• Home assessed market value must not exceed $183,350 before and after rehabilitation value
• Homeowners must be residents within the city limits of El Paso, Texas
• Total household members are considered for income computation
• Owner is defined as any person or persons having fee simple title by deed
• Manufactured homes must be registered as permanently affixed to the ground (not mobile)

Loan Details:

• All loans and deferred payment loans are secured by a Builder’s and Mechanic’s Lien Contract and Deed of Trust (with Power of Sale)
• Maximum assistance amounts include construction hard costs, soft costs, and closing costs
• Any amount exceeding the maximum limits will be included in the loan/deferred payment loan
• Assistance is available to bring dwelling units into compliance with International Residential Codes and local ordinances.

More Texas Home Affordability Programs