Senior Citizen Home Assistance Program (SCHAP)

In partnership with the Parodneck Foundation, the Senior Citizen Home Assistance Program (SCHAP) assists low- and moderate-income seniors in making necessary home repairs. A maximum of $40,000 is available for single-family homes. For homeowners of two- to four-family homes, a maximum of $30,000 per dwelling unit is available.

Who is eligible to apply?

To qualify, a senior must reside in any of the five boroughs in the City of New York, be at least 60 years old, and have been an owner-occupant of a one- to four-family home for at least two years. Homes must have property and liability insurance. Applicants’ household incomes, including rental income, must meet certain guidelines.

How does the loan work?

The loans vary from no-interest deferred loans to fully amortizing 3% interest loans. The amount of the loan will be based on the extent of the system replacements or repairs needed. If you need additional funds to complete the project, we will work with you to find private sources of funding at favorable terms. HPD provides support in funding, work scope review and application review.

How to apply?

Complete and submit an Intake form to The Parodneck Foundation, attn: Thomasina White at twhite@parodneckfoundation.org, or call (212) 431-9700 x313. Contact HPD at homerehabloan@hpd.nyc.gov or (212) 863-6700. Our team will be happy to further discuss the program and guide you through the process.