The cost of repairs or replacement can feel overwhelming. But here’s something most people don’t realize: there are real, government-backed programs that offer grants and funding specifically for senior homeowners.
Section 504 Home Repair Program (USDA)
Also known as the Single Family Housing Repair Grant, this program is tailored for low-income seniors (62+) in rural areas.
Offers up to $10,000 in grant money
No repayment required unless you sell the home within 3 years
Covers health and safety hazards, including roof repairs
HUD’s Home Improvement Grants
HUD offers a range of assistance programs that can be used for roofing if the damage affects livability or energy efficiency.
Eligibility often based on income and location
Can be combined with other local grants for maximum coverage
Contact your local HUD office for options in your area
Low-Income Home Energy Assistance Program (LIHEAP)
While typically used for utility bills, some state-administered LIHEAP programs also fund weatherization improvements—including roof sealing, insulation, and structural repair.
Helps make your home energy-efficient
Focuses on urgent weather-related repairs
Prioritizes seniors and disabled homeowners
State and Local Housing Agencies
Many states offer senior-specific home repair grants, funded through city or county budgets.
Examples: California’s SHARP Program, Florida’s SHIP funding
Often income-based and first-come, first-served
Some offer 100% forgivable loans or grants for critical roof work
Weatherization Assistance Program (WAP)
Administered by the Department of Energy, WAP can cover roof repairs related to insulation and air sealing, especially for low-income households.
Prioritizes older adults and those with health conditions
Includes structural fixes if related to energy efficiency
Available in all 50 states