Loan and Grant Programs

Single Family Development Incentive Grant Program (SFDIG)

The Single Family Development and Rehabilitation Incentive Grant Program is offered to stimulate private single family home development and major renovation projects in accordance with NRHA design standards in designated neighborhood conservation areas. Single family developers and builders are eligible to participate in this program. Homeowners currently residing in the program targeted home are not eligible.


The following activities that support homeownership efforts, that may qualify for approval, include one or more of the following:

  • Demolition of  blighted structures that result in the building of new single family homes on the cleared land and sold to homeowners as their primary residences.
  • Rehabilitation of an existing historic home defined as a contributing structure in an officially designated historic area or  identified on the National Historic Register.
  • Conversion to single family homeownership of a duplex or triplex where the resulting home will be occupied by one homeowner as their primary residence. The conversion must result in one fee simple home.
  • Conversion of a single family home from rental-market to homeownership where the homeowner will use the property as their primary residence.


The amount of the grant is limited as follows:

  • Up to a maximum of $20,000 per structure plus up to $5,000 in matching funds for abatement activities. For demolition activities the amount is $20,000 per structure or the actual cost of demolition (whichever is the lesser) regardless of the number of homes developed on the site as a result of the demolition activities.
  • The grant is deployed at the end of the development process and only when all criteria have been satisfied.

Requests for a SFDIG grant will be considered on a case-by-case basis and subject to funding availability.


Submission Requirements

For an application to be considered, the following must first be discussed with designated NRHA staff.

  • A description of the proposed development plan and a detailed pro forma
  • Project time line
  • For new construction, if available, proposed preliminary site plan and building plans
  • For renovations of existing homes provide preliminary scope of work write-ups and proposed floor plans or other appropriate drawings. All rehabilitations must include partial demolition to reduce the building to framing and foundation only
  • Estimate of development funds leveraged with the Development Incentive Grant. The greater amount leveraged, the more weight given to the application.
  • The designation of the house as affordable to a family below 80% of AMI, which typically means a sales price of approximately $165,000 for a three bedded 1600-1800 square foot house. More detailed information will be provided regarding this section during preliminary discussions with NRHA staff.
  • Commitment to homeownership. The grantee must ensure occupancy of the property by a bona fide homeowner who will use the property as their principal residence. This requirement is waived for the rehabilitation of a significant historic property at the sole discretion of NRHA staff.
  • All homeowners must be provided a one year warranty in addition to specific component and mechanic warranties.


Grant Review & Approval

Each development incentive grant request will only be reviewed after a complete submission package as outlined above has been received and a site visit by NRHA staff completed. Grant approval will be subject to funding availability. The determination of Development staff is final.



The Grant will be disbursed upon (1) a successful review of construction plans by NRHA staff (2) a review and confirmation of the partial demolition as prescribed and a final inspection for conformance with plan review (3) a certificate of occupancy being provided (4) there is evidence of occupancy by a bona fide homeowner who intends is to use it as their primary residence, and (4) for demolition activities the grant will also only be provided once all the above criteria have been met.



Residential Rehabilitation Significant Structure Improvement Grant Program 

Program Purpose

Provide City of Norfolk homeowners, located in conservation areas, financial incentives to undertake exterior improvements, restoration or preservation of the original architectural integrity of their primary dwelling.

Maximum Assistance

Up to $10,000 per property, subject to funding availability

Minimum Assistance

Not less than $1,000 per property

Type of Assistance

CDBG, CIP or other Public funds 

Rate and Term

0% - no repayment requirements

Key Features

Roofing, exterior wall finishes, painting, lighting, additions (removal or replacement), detached structures(replacement), architectural elements, the removal of features that are not architecturally sympathetic with the property’s original integrity and site improvements (site improvements up to $1,999)

Underwriting Criteria

Verifiable legal ownership (deed)
Property must be your primary dwelling
Copy of owner, property and household information
Mortgage payments, real estate taxes, and homeowners insurance payments must be current
Copy of current homeowner’s insurance policy
Flood insurance required for ALL properties located within a flood zone

100% match required
Maintenance agreement required
Property must meet all applicable codes & conservation standards
NRHA will determine project eligibility and qualified improvements
This is a one time, per property, per owner grant

Individuals who are inquiring about the Home Repair Program (HRP) or the Housing Rehabilitation Loan Program (HRL) please be advised: 

All funding for these two (2) programs have been obligated. Going forward, the City of Norfolk's Neighborhood Development Department will handle the administration and funding of all rehabilitation and repair programs. 

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NOTICE OF NONDISCRIMINATION - NRHA provides equal housing and employment opportunities for all persons. NRHA does not discriminate against any applicant, resident or employee on the basis of disability, age, race, color, religion, gender, familial status or national origin in the admission, access or operations of programs, services or activities. NRHA complies with Title VI of the Civil Rights Act and the Americans with Disabilities Act. An internal grievance procedure is available to resolve complaints. If you feel you have been discriminated against, you have the right to file a complaint of discrimination  by calling toll free (888) 799-2085. Qualified individuals who need communication aids, services or other accommodations to participate in programs and activities are invited to make your needs known to the 504/ADA Coordinator, Kim Thomas (757) 623-1111. Please give NRHA at least seven to ten days advance notice to meet your needs