CDCU and its affiliate, Utah Community Investment Fund, offer several programs to help you improve the condition of your home. Our different programs can assist you in making health and safety repairs, energy efficiency upgrades, as well as other improvements that will maintain the condition and value of your home.

Homeowners Assistance Fund (HAF) Critical Home Repair Program

Homeowners who suffered financial hardship due to the pandemic may have delayed essential home repairs in order to pay other bills and obligations. But being able to now take on these home repairs can make a home livable and safe for years to come.

The federal Homeowners Assistance Fund includes a Critical Home Repair Program offering eligible homeowners up to $18,000 to fund critical home repairs or modifications necessary to allow the homeowner to remain in the home. It does not cover general remodeling costs.

Basic eligibility criteria

  • Property must be located in Utah
  • Applicant must be the homeowner.
  • Applicant must be a US Legal Resident
  • Household income cannot exceed 100% of the Area Median Income (AMI) or 100% of the median income for the US, whichever is greater.
  • Experienced a financial hardship due to the COVID-19 pandemic after January 21, 2020 (including a hardship that began before January 21, 2020, but continued after that date).
  • No mortgage delinquency required for eligibility, and no disqualification if also receiving mortgage assistance.
  • If already received UHAF mortgage assistance, total combined assistance including critical repair funding cannot exceed $50,000 per household.

Common repairs covered

  • Leaking roof
  • Obsolete electrical wiring
  • Plumbing leakages
  • Defective windows
  • Insulation issues

How to Apply

Complete the following HAF APPLICATION

Mail or deliver application and ALL required documentation to the following locations based on your county of residence.

Please note: Funds are limited, and eligibility criteria apply.

Find out more about the Utah Homeowners Assistance Fund.

HomeFit Upgrade Program

We currently have grants of up to $5,000 for eligible low-to-moderate income households to put toward home repair projects that address a current or potential health and safety need (including improving energy efficiency).           HomeFit health & safety examples

Our HomeFit Upgrade Loan program can provide an additional $25,000 in flexible financing to help qualifying borrowers take on larger projects, and/or projects that are not considered health and safety-focused. The loan program is available to homeowners who occupy their homes as a primary residence in Salt Lake, Tooele or Summit counties.

HomeFit Upgrade loan information

The home renovation grant and loan program captures a broad range of projects, allowing homeowners to access capital for a variety of housing needs. Limited grant funding plus our competitive financing provides a way to renovate and improve your home without creating a financial hardship and is combined with our financial coaching services. Additionally, this loan provides fair financing terms helping safeguard you from using predatory and unfavorable credit options

The HomeFit program offers grants and loans for critical repairs or home improvements such as those needed addressing health and safety issues, remodeling of bathrooms and kitchens, replacing a roof, updating your home’s exterior or adding on additional space.

Get started by filling out this simple questionnaire and our team will be in touch with additional information!


If you have any questions about our home repairs funding options, call us on 801-994-7222 or fill out the form below and a team member will get back to you.

Other critical repair and home improvement-related resources

If you are not eligible for UHAF funds or CDCU’s lending program at this time, other programs and resources may be available in your area. See other resources relating home repairs and improvements here.

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