Top Home Improvement Programs in Binghamton

Top Home Improvement Programs in Binghamton maintaining a safe, comfortable home is essential for every resident. In Binghamton, a variety of Binghamton home improvement programs are available to assist homeowners in preserving and enhancing their properties. These programs offer financial aid, resources, and support to ensure homes remain in good condition, energy-efficient, and accessible.

1. Binghamton Targeted Home Improvement Program (T-HIP)

The Binghamton T-HIP provides grant assistance of up to $40,000 to eligible homeowners for critical home repairs in targeted areas of the city. Eligible repairs include roof replacement, code violation corrections, utility upgrades, and foundation repairs. To qualify, homeowners must reside in the city of Binghamton within the zip codes 13790, 13904, or 13905, own and occupy the home as their primary residence, and have a household income at or below 80% of the area median income.

2. Broome County Weatherization and Home Repair Programs

Broome County offers several programs to assist low-income homeowners with home repairs:

• AHC Home Improvement Grants: Funds larger repairs, including roof replacements and major housing system repairs, for low and moderate-income homeowners.
• RESTORE: Provides grants up to $10,000 for emergency repairs for homeowners aged 60 and older, covering heating systems, electrical upgrades, plumbing repairs, and accessibility improvements.
• ACCESS TO HOME: Offers grants for accessibility modifications such as ramps, chair lifts, and bathroom modifications. Eligibility is income-based, with specific programs for veterans and Medicaid recipients.
• EmPower+: Provides energy-efficient solutions, including home energy assessments, high-efficiency lighting, insulation, and heating system upgrades for income-eligible New Yorkers.

3. USDA Single Family Housing Repair Loans & Grants

The USDA offers the Section 504 Home Repair program, providing loans up to $40,000 to very-low-income homeowners to repair, improve, or modernize their homes, and grants up to $10,000 to elderly very-low-income homeowners to address health and safety hazards. Loans have a fixed 1% interest rate and a 20-year term. Grants must be repaid if the property is sold within three years.

4. Broome County NYS Resilient Retrofits 50/50 Loan/Grant Program

This program offers up to $50,000 in a combination of low-interest loans and matching grants for flood mitigation and climate-ready improvements. Eligible homeowners can receive loans at a 1% interest rate, payable over 5–10 years, with the grant portion forgiven upon loan satisfaction. Homes must be owner-occupied, 1–4 unit buildings, and located in Broome County.

5. Greater Opportunities Home Rehabilitation Program

Greater Opportunities provides funding assistance for high-priority home repair items, including wells, septic systems, electrical, heating, and structural repairs. The program targets low-to-middle-income homeowners seeking financial assistance for essential home repairs.

6. City of Binghamton HOME Rehabilitation Program

The HOME Rehabilitation Program offers deferred renovation loans with no monthly payments or interest to eligible owner-occupants of single-unit structures. The program aims to assist homeowners in making necessary repairs to maintain safe and decent housing.

7. First Ward Action Council Home Repair for Seniors

The First Ward Action Council provides the Home Repair for Seniors program, employing skilled technicians to perform small but necessary repair jobs for low-income seniors. Typical services include stair replacement and minor electrical and plumbing repairs.

8. NYS Targeted Home Improvement Program (T-HIP)

The NYS T-HIP is a pilot grant program supporting critical repairs for low- and moderate-income homeowners. The program focuses on areas with persistent and structural discrimination in housing, aiming to help homeowners build and retain equity and support community stabilization.

9. Home HeadQuarters Homeowner Loans & Grants

Home HeadQuarters offers various loan and grant programs to assist homeowners with repairs and improvements. Programs include low-interest loans and grants for critical home repairs, energy efficiency upgrades, and accessibility modifications.

Binghamton residents have access to a comprehensive array of Binghamton home improvement programs designed to address various needs, from critical repairs and energy efficiency upgrades to accessibility modifications and disaster resilience. By leveraging these resources, homeowners can ensure their homes remain safe, comfortable, and sustainable for years to come.