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Emergency Repair Loans

The Emergency Repair Loan Program can provide up to $5,000 in assistance to Cumberland County homeowners in need of emergency repairs to their homes through an interest-free deferred loan. Emergency repairs include roof or furnace repairs, plumbing or wiring emergencies and foundation stabilization. Other repairs not listed may also be eligible.

The assistance is in the form of an interest-free deferred loan, and a mortgage is recorded as a lien against the property. If the emergency repairs can not be completed with the $5,000 maximum deferred loan, the homeowner is required to provide the additional funds in order to complete the job. If the homeowner can not provide the additional funds, no loan will be given. An application process must be completed before a loan approval is given.

To be eligible for the emergency repair deferred loan, the owner of the property must reside in the property. Mobile homes are permissible as long as the resident owns the land on which the mobile home is placed. The homeowner must be current on all property taxes and municipal utilities. Homeowner’s insurance must be in place. Income eligibility is determined by total household size and total household income. Refer to the qualifying income limits table below.

Qualifying Income Limits








  • Household Size of 1 has an Income Limit of $50,800
  • Household Size of 2 has an Income Limit of $58,000
  • Household Size of 3 has an Income Limit of $65,300
  • Household Size of 4 has an Income Limit of $72,500
  • Household Size of 5 has an Income Limit of $78,300
  • Household Size of 6 has an Income Limit of $84,100
  • Household Size of 7 has an Income Limit of $89,900
  • Household Size of 8 has an Income Limit of $95,700

Emergency Repair Loans Application Instructions

Emergency Repair Loans Application