City Housing Programs
Direct Homeownership Assistance Program
The City recognizes the relationship between homeownership and neighborhood stability and has identified the expansion of homeownership opportunities as a program activity in its Consolidated Plan. The Direct Homeownership Assistance Program was developed to expand homeownership opportunities available to City residents of low- and moderate- income status, those whose incomes do not exceed 80 percent of the median area income, depending on household size. Homeownership assistance will be provided to qualifying households in the form of either payment of specific closing costs and/or up to 50 percent of down payment costs. Assistance is also available to qualifying households in the form of either the payment of a portion of an existing loan or closing costs to accomplish a refinance of an adjustable/high-rate mortgage to a conventional fixed-rate or equivalent mortgage. All homes must be located within the City limits (22401 zip code).
- Homeownership Assistance Program Design (PDF)
- Direct Homeownership Assistance Program Application (PDF)
Emergency Home Repair Program
As part of its ongoing effort to address housing needs, the City of Fredericksburg seeks to assist property owners with repairs of an emergency nature. The City has recognized the direct link between timely repairs and curtailing further structural damage to a property. To meet the tremendous demand, the City has developed an Emergency Home Repair Program to assist low income persons with the plumbing, electric and roofing repair emergencies. Households must be located within the City limits (22401 zip code) and have income limits that are at or below 50 percent of the median area income, depending on household size.
Removal of Architectural Barriers Program
The City of Fredericksburg has committed itself to provide assistance to people with disabilities to live and function more independently in their homes and in the community. It seeks to assist qualified residents in making limited modifications to their homes to remove architectural barriers. To meet the tremendous demand, the City has developed a Removal of Architectural Barriers Program to assist low- to moderate-income persons to make repairs or modifications such as ramp or railing installation, bath or kitchen modifications, and widening of doorways. The program may also provide flashing alarm systems for persons with hearing impairments. Households (individuals or families residing in one residence) must be located within the City limits (22401 zip code) and have income limits that are at or below 80 percent of median area income, depending on household size. This program is available to qualifying property owners and renters (with property owner approval).