When home repairs become overwhelming and expensive, you still have viable paths forward. Whether you explore grants, loans, DIY fixes, or a quick sale, Express Property Solutions makes selling your home stress-free, fast, and fair.

1. Access Federal and State Assistance

If you’re struggling to afford repairs, the U.S. Department of Housing and Urban Development (HUD) offers Title 1 property improvement loans and 203(k) rehab mortgages. These programs allow you to roll repair costs into an existing loan or mortgage.

For homeowners in rural areas, the USDA Section 504 Home Repair program provides up to $40,000 in low-interest loans and $10,000 in grants to eligible homeowners.

In Utah, the Community Development Corporation offers up to $18,000 in repair funds through the Homeowner Assistance Fund, covering essential safety and health-related home improvements.

2. Find Local Municipal Support

Many cities operate local home repair assistance programs. In fact, the Harvard Joint Center for Housing Studies reports that over half of major U.S. cities offer repair loans, and a third offer grant assistance to help low-income homeowners maintain safe living conditions. Check your local housing department for application details and deadlines.

3. Do Easy DIY Upgrades

If federal or local aid isn’t accessible, small upgrades can still make a big impact. According to Real Simple, improvements like repainting, re-caulking windows and bathtubs, patching minor drywall cracks, and updating cabinet knobs can be completed for less than $100 each. These minor projects can make your home feel fresh and more appealing to future buyers.

4. Shop Budget-Friendly at ReStores and Utility Programs

Nonprofits like Habitat for Humanity ReStore offer deep discounts on building materials, appliances, and furniture. You’ll also want to check your local utility provider or apply to the Weatherization Assistance Program (WAP) through USA.gov, which helps income-qualified households lower their energy bills by covering insulation, HVAC upgrades, and window sealing.

5. Sell Unused Belongings

Sometimes, raising a few hundred dollars from unused household items can cover the cost of essential repairs. A Reddit homeowner discussion suggests budgeting 150% of your expected costs to create a buffer. Selling old bikes, tools, unused electronics, or sports gear can generate quick cash while clearing your home for a future sale.

Why Selling to Express Property Solutions Is the Best Next Step

Even with programs and creative fixes, managing timelines, paperwork, and labor can be overwhelming. That’s where Express Property Solutions becomes your most reliable solution.

We specialize in buying homes in any condition—no repairs, no cleaning, and no stress required.

Here’s what sets us apart:

• Close fast: Get a cash offer and close in as little as seven days

• No upfront costs: No need to repair, repaint, or renovate

• Zero commissions: Avoid agent fees and closing costs

• Hands-off process: We handle the paperwork, inspections, and title transfers