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Aging in Place

What is the Aging in Place Program?

The Aging in Place Program (AIP) is dedicated to assisting homeowners make their home a safe and comfortable place to live. The program serves older homeowners across the tri-state region and focuses on accessibility improvements, mobility modifications and critical home repairs that are crucial to help older homeowners live in their own homes longer. Habitat Greater Cincinnati wants to make continued homeownership for our area's older homeowners a reality so they can age in place with the comfort and dignity they deserve.

Am I eligible?

You may qualify for the AIP Program if you meet all of the following criteria:

  • I own and live in my home full time. (1)
  • I am age 60 or older or someone in my household is 60 or older. 
  • My home is in Hamilton, Butler, Clermont, Warren, Campbell, Kenton, Dearborn, or Ohio (Indiana) county. 
  • You must not have already been served through the Aging In Place program.
  • The city and county property taxes on my home are current.
  • The mortgage on my home is current and I can show a recent mortgage statement to prove this. 
  • My home needs work that falls within the services and budget of the program.
  • I meet the income guidelines for the program, based on my income and the income of everyone else who lives in my home. (See chart below for specific income ranges.)
  • I have proof of ownership of the property.
  • I can provide documentation to prove identity, age, residency and income for myself and everyone else who lives in my home. (2)
  • All persons listed on the deed to my home will sign all required documentation.
  • All of my information matches across all documents or I have proof that differing information is correct.(3)
  • No felony convictions for anyone in household, over age 18, within past five years.


1. Rental properties and mobile homes are NOT eligible to receive assistance through this program.

2. Documents you need to provide might include: a driver’s license or other government issued ID, birth certificate, utility bill, 2 consecutive pay stubs within the past 30 days, mortgage papers, Social Security income statement, retirement/pension and/or bank statements. 

3. Proof of name change, marriage license, divorce decree, death certificate, etc.



AIP Program Income Limits Chart

Family Size Maximum Monthly Income
1 $4,458
2 $5,096
3 $5,733
4 $6,367
5 $6,879
6 $7,388
7 $7,896
8 $8,404

Who does the work?

Habitat will coordinate the work with trained volunteers and/or home repair companies. All companies will be properly licensed and insured. Project managers will monitor the quality of the work throughout the process to make sure it is up to program standards.  

What kind of work will be done?

Inspectors from Habitat will prepare a list of recommended work. This is simply a list of suggested work and not a guarantee of the final project list. Actual work to be done will be determined only by Habitat based on the program’s budget limitations and the extent of work necessary. The work done for applicants accepted during the application period will focus on critical repairs and accessibility needs, with other work done as budget allows.

Other work that may be provided includes:

  • Modifications to improve mobility, accessibility and safety, such as grab bars, tub to shower conversions, wheelchair ramps, and widened doorways.
  • Other projects as budget allows, possibly including roof repairs/ replacements, fixing broken windows, repairing water leaks, electrical repairs and other work that fits within the guidelines of the AIP program.
  • Alleviation of code violations. 

At this time, the Aging in Place program can not cover the following types of work:

  • Cosmetic work including but not limited to: painting, cabinets, appliances, window treatments/security bars, and repairing trim work.
  • Removal of mold, lead, or asbestos
  • Structural repairs including foundation issues

What's the cost?

HOMEOWNERS PAY NO MONEY OUT OF POCKET FOR REPAIRS:   In lieu of paying for the repair out of pocket, the homeowner must be willing to accept a 5-year forgivable mortgage (with no payments due unless the home transfers ownership within 5-years of repair completion)  This mortgage will be for the total cost of repairs and will reduce by 20% each year, until it is forgiven at the end of year 5 and released.

*If you continue to live in your home for 5 years after work is completed and follow all grant terms, your balance is reduced to ZERO, and you will owe nothing for repairs completed. *

Time in Home AFTER AIP Work Completed Mortgage Repayment Amount
Up to 1 year 100%
1-2 years 80%
2-3 years 60%
3-4 years 40%
4-5 years 20%
5 years or more ZERO

How do I apply?

You can either download a full print version of the Aging in Place Program Application (here) or request that an application be sent to you via mail.


Please call us at 513-621-4147 and select option 8 or email

  • 4910 Para Dr.
    Cincinnati, Ohio 45237

    Office hours:
    9 AM - 4 PM or by prior appointment


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