Homeowners, Property Tax & Repairs · Surprise rank #77
Nassau Homeowner With Low Income? Essential Repairs Can Be Financed at 0% and Forgiven After 5 Years
Nassau County's Residential Rehabilitation Program helps qualifying owner-occupants repair serious housing problems through a deferred, non-interest rehabilitation loan secured by the property.
Who
Eligible Nassau County owner-occupants whose household income is at or below 80% of HUD area median income and whose property meets program rules.
Where: Nassau County, New York
What to do
Start here: Contact Nassau County Community Development and apply for the Residential Rehabilitation Program before hiring contractors or starting work.
Eligibility: Income, owner-occupancy, property and repair-need requirements apply. The county inspects the home and approved contractors bid on the work.
What you get
County-approved rehabilitation can address essential repairs such as roofs, boilers, energy-efficient windows, lead hazards and disability-related modifications.
Benefit: Approved repair work financed through a deferred-payment, non-interest county loan that is forgiven after the five-year recapture period if the owner keeps the home as the primary residence and meets the program conditions.
Possible value: Depends on the approved scope of essential repairs; the county FAQ does not state one universal award amount.
Good to know
Important: This is not an immediate cash grant. A five-year recapture note/mortgage is placed on the property, and sale, transfer or failure to maintain the required occupancy during that period can trigger repayment.
Availability: Active subject to funding and program intake
Why people miss it: Homeowners may look only for conventional home-repair loans and never check the county's income-qualified rehabilitation financing.
Sources reviewed: Aug 10, 2026