El Paso SFOO Program

The Department of Community and Human Development in El Paso offers assistance to homeowners who need repairs for their homes. To qualify for the SFOO Program, applicants must be El Paso residents who own and occupy their homes, and their gross annual household income must be below 80% of the median household income for the city. The home assessed market value must not exceed $183,350.00 before and after rehabilitation value, and manufactured homes must be registered as permanently affixed to the ground. Loans for qualified senior citizens and persons with disabilities can be structured as a 15-Year Forgivable Deferred Payment Loan.

The Special Assistance Program offers minor home repair funds up to $20,000, while the Residential Sewer Connection provides special assistance for the initial connection to local sewer collection lines. The Home Rehabilitation and Reconstruction Program offers eligible loan assistance with a minimum of $20,000.00 and a maximum of $65,000.00. Additional assistance is available for accessibility, lead, asbestos and mold abatement/encapsulation, relocation, and historic preservation.

The program aims to bring dwelling units into compliance with International Residential Codes and local ordinances. It aims to address repairs that pose an immediate threat to the health, safety, or welfare of the occupants or to meet accessibility standards. All loans and/or deferred payment loans are secured by a Builder’s and Mechanic’s Lien Contract and Deed of Trust (with Power of Sale). The program includes construction hard costs, soft costs, and closing costs.

Total household members are considered for income computation, and the program is only available for residents within the city limits of the City of El Paso, Texas. Other resources for housing rehabilitation programs include Plano Housing Rehabilitation Program and Dallas Mortgage Assistance Program.

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