Attached to the Neighborhood Services Department, the Federal Grants/Housing Assistance Division oversees federal grants that fund programs benefiting Covington homeowners – including down payment assistance and emergency repairs – and help pay for improvements to infrastructure like roads, sidewalks, and parks.

It does this by engaging the public to help create an annual plan for those grants, primarily from the federal HOME and Community Development Block Grant (CDBG) programs.


Homeowner Repair Program: Awards deferred, forgivable loans to help low-income homeowners with urgent home repair needs like roof leaks, water heaters, furnace repairs and replacements, and other emergency repairs.

Homebuyer Assistance Loans: Awards deferred, forgivable loans to help low-income homebuyers with lender-required down payment and closing costs.

Upper Floor Residential Rent Rehab Program: Awards deferred, forgivable loans to help property owners redevelop vacant, upper-floor space in mixed-use buildings into new, affordable rental units.

Lead-Based Paint Hazard Reduction Program: A three-year, federally funded program to protect children and vulnerable adults from potential health risks from deteriorating paint in homes and apartments built before 1978.


  • CDBG/HOME Consolidated Plan 2020-2025: The Five-Year Consolidated Plan assesses affordable housing and community development needs and market conditions and makes data-driven, place-based investment decisions. Its planning process serves as the framework for a community-wide dialogue to identify housing and community development priorities that align and focus funding from the CDBG and HOME programs.
  • CDBG/HOME Annual Action Plan 2020-2021: This plan provides a concise summary of the actions, activities, and specific federal and non-federal resources that will be used each year to address the priority needs and specific goals identified by the Five-Year Plan. NOTE: Given the five-year cycle, the 2020-21 plan is included in the Five-Year Plan above.
  • CDBG/HOME Consolidated Annual Plan Evaluation Report (CAPER) PY 2019-2020: This annual report outlines accomplishments and progress toward Consolidated Plan goals.
  • Covington HOME Consortium Citizen Participation Plan: This plan outlines the process that the City will undertake to solicit community input into the development of the Five-Year Consolidated Plan, the Annual Action Plan, and the CAPER.