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Aging in Place

Aging in Place Update Sept. 1, 2020

Shelby & Fayette County Call-Ins Still on Hold

Due to COVID-19, our next call-in application date for the Aging In Place Program is still on hold. We will reschedule call-in application dates for Shelby County and Fayette County, but we do not currently know when those dates will be. Please watch our website for an update on October 1. Thank you for your patience during this unique time.

Click here for a brochure about the Aging In Place program 

As the years wear away on our bodies and homes, maintaining the dream of homeownership can become difficult. If you can’t afford to add grab bars to make your bathroom safe or replace a leaking roof, how can you continue to live safely in the place you’ve called home for so long?

Habitat for Humanity of Greater Memphis’ Aging in Place (AIP) Program serves homeowners age 60 and older in Fayette and Shelby Counties and focuses on accessibility improvements, mobility modifications, weatherization enhancements and critical home repairs that are crucial to help older homeowners live in their own homes longer. Memphis Habitat wants to make continued homeownership for Fayette and Shelby County older homeowners a reality so they can age in place with the comfort and dignity they deserve.

The funding for this project was provided through a grant awarded by the Davidson County Chancery Court, Part III from the SeniorTrust/ElderTrust settlement (Case No. 11-1548-III) and through a contract administered by the Tennessee Commission on Aging and Disability. Funded by The City of Memphis, Division of Housing and Community Development, making Memphis a world-class city by facilitating and delivering resources and services that improve the quality of life for every neighbor and neighborhood. The Aging in Place program receives additional financial support from a variety of sources, including the U.S. Department of Housing and Urban Development, The Federal Home Loan Bank of Cincinnati and Bank of Bartlett.

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 own no property other than my home.
  • I am age 60 or older. (Some funding sources may require applicant be age 62 or older.)
  • My home is in Fayette or Shelby County, Tennessee. (Please pay attention to any location restrictions for a specific application date.)
  • 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. (If there is no mortgage on the home, I will sign an affidavit stating there are no liens on the home.)
  • 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
  1. Rental properties 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

# Living in Home Max Gross Household Income
*As of April 2020 for Fayette and Shelby County; subject to HUD AIM guideline changes and other program requirements.
1 $28,560
2 $32,640
3 $36,720
4 $40,740

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 modifications, 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, wheelchair ramps and widened doorways.
  • Weatherization for energy saving purposes, such as fixing broken windows and water leaks.
  • Other modifications as budget allows, possibly including installing grab bars, wheelchair ramps, widened doorways, fixing broken windows, repairing water leaks, electrical repairs and other work that fits within the guidelines of the AIP program.
  • Cosmetic work is NOT covered under this program. This includes, but is not limited to: painting, cabinets, appliances, window treatments/security bars, and repairing trim work.
  • If your home is not a detached, single-family home (example: a condo or mobile home), you may not be eligible for certain services.

What's the cost?

Habitat will pay all costs for materials and AIP work as a GRANT TO YOU, but a restriction will be placed on the deed of your home. You will not have to repay the grant unless you sell or transfer ownership of your home within 5 years after AIP work is completed. 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 owe nothing. The grant restriction is forgiven at a rate of 20% per year. You will also need to participate in post-project surveying at 2 months, 1 year, and 3 years after work has been completed.

All AIP program clients are required to pay the fee to cover the cost of recording the deed restriction at the Register of Deeds - $17 for Fayette County and $19 for Shelby County. All persons listed on the deed and mortgage must sign the deed restriction, as well as other required documents.

Time in Home AFTER
AIP Work Completed 
Grant Repayment
 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


What happens after work is done?

Project managers from Habitat will do a final inspection to make sure work has been completed properly. When all work has passed final inspection, you will sign a certificate of completion. Habitat will contact you 2 months later to complete a brief survey about your experience with the AIP program. Additional surveys will be conducted 1 year and 3 years after work is completed. These surveys help us improve the program and measure its impact so we can help more senior citizens.

How do I apply?

Applications are administered over the phone. Due to the limited number of slots for this application period, we will NOT accept any walk-in applications. ALL applications must go through the AIP hotline. Habitat will stop accepting application calls as soon as the available slots have been filled. There is a tight timeframe for a limited number of applicants to be accepted and work to be completed, so applicants must have all documentation available immediately and will be accepted on a first-come, first-qualified, first-served basis.


To apply:

  1. Call the AIP hotline at 901-322-3500 on the application date. 
  2. Leave a message with your name, address and phone number to be added to our application call-back list. 
  3. Receive a call back from Habitat to complete an application over the phone. Habitat will call you to complete an application and arrange to obtain your identity documentation. (Hearing impaired applicants may complete applications in person.) Again, there is an extremely tight timeframe for a limited number of applicants to be accepted and work to be completed, so applicants must have all documentation available immediately and will be accepted on a first-come, first-qualified, first-served basis.

Upcoming Application Dates

  • Watch this space for new application dates.

Please continue to monitor our website and the AIP hotline for updates on future application dates.

If you are eligible, we will schedule an inspection of your home. If the inspection determines your repair needs fall within the program’s services and budget, you will be officially accepted into the program. Homes that cannot be brought to safe, habitable conditions within the program’s limits will not be eligible for assistance.

Habitat for Humanity of Greater Memphis, Inc. is pledged to a policy of equal opportunity. All decisions regarding the provision of program services are made without regard to the race, color, sex, religion, national origin, familial status or disability of an applicant, their household members or the surrounding community. Decisions regarding awards of repair or subcontract work are made without regard to the race, color, sex, religion, national origin, familial status or disability of the owners or employees of the business. Bid opportunities for repair and subcontract work under the AIP program are being affirmatively advertised and marketed to local, female-owned and minority-owned businesses. Habitat for Humanity is an equal opportunity employer.