As a homeowner, you will be responsible for the upkeep of the home's mechanical systems, such as HVAC (air conditioning), home repairs, and the interior and exterior of your home. You want to budget for the unexpected and have a savings account for household emergencies. Home warranties are another option to consider for repairs of home systems and appliances. You want to ask your realtor, home inspector, and friends if they can recommend a reliable home warranty company. Keeping a log of when your home appliances were serviced, and filters changed is a good practice. Homeowners can also receive post-purchase counseling at HUD-approved housing counseling agencies, and some offer free DIY home repair classes for homeowners.
As a tenant, you are not responsible for the normal wear and tear or repairs. The landlord does require the tenant to maintain the unit in a safe and sanitary condition. Also, your neighbors have the right to peace and enjoyment in their homes and community. Some laws and agreements enforce these rights. A tenant or homeowner should know what activities or inactions constitute a nuisance by: law, signed lease, homeowner’s or condominium association, or the lender. For example, loud music late at night or not keeping the home (interior and exterior) safe and sanitary can be considered a nuisance if it becomes a hazard to the property and, or community. In addition, some homeowner's associations (HOA) and historic neighborhoods may have stricter upkeep requirements, such as the type of windows that can be installed to lawn care. You want to know your responsibilities as a tenant or homeowner to avoid disputes and costly fines.
What Housing Assistance Programs Help Homeowners with Repairs and Accessibility Modifications?