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Home Repair Loan logo

Does your plumbing leak?
Do you need a new roof?
Do you have other overlooked repairs?

If so, one of our loans could help you live in a safer, healthier home.

The Office of Housing's Home Repair Loan Program provides loans to repair owner-occupied, single family homes with low- to moderate-income households. The program is designed to address immediate health, safety and structural deficiencies.

The loans are funded by local and federal programs which prioritize health and safety repairs. Homeowners are given as much flexibility as possible, but work items which threaten the health of the occupants or the integrity of the structure must be corrected before other work is started. Our staff will assist you in understanding these priorities and making your project work for you.

For a pre-screening to see if you qualify, please call (206) 684-0458 or email HomeRepairLoan@seattle.gov.

Download a Home Repair Loan Program brochure >

More details are offered below:


Home Repair Loan Terms

The loans start at $3,000. For households earning 50% of area median income or less, loans will have 0% interest. For households earning between 51% and 80% of area median income, loans will have 3% interest. See income limits below.


Income Limits

Eligibility is based upon the number of household members and total household income. The 2013 limits for maximum monthly income* for home repair loans:

50% area median income
 
80% area median income
1 person $2,529 4 person $3,612 1 person $3,758 4 person $5,366
2 person $2,891 5 person $3,904 2 person $4,295 5 person $5,800
3 person $3,254 6 person $4,191 3 person $4,833 6 person $6,229

* Total gross income of household, before taxes and deductions; figures are updated annually.


Eligible Home Repairs & Improvements Include:

The home repair loan program is designed to address immediate health, safety and structural deficiencies. Other improvements that must be completed to address the identified health, safety and structural deficiencies or result from a health, safety or structural deficiency will be considered on a case by case basis. The following is a partial list of issues that may present an immediate health, safety or structural issue. This list is not intended to be exhaustive. Final determination of improvements will be made by the rehabilitation specialist in consultation with the homeownership program manager.

  • Accessibility needs and modifications
  • Appliances, if existing ones are nonfunctional, inefficient or in very poor condition
  • Bathroom repair
  • Brick or masonry repair
  • Chimney repair
  • Door and window repair or replacement (if in poor condition)
  • Driveway/walkway repair
  • Electrical upgrades
  • Floor repair and covering
  • Foundation repair or replacement
  • Furnace/boiler repair or replacement
  • Gutter cleaning, repair, or replacement
  • Hazardous materials abatement
  • Hot water heater repair or replacement
  • Kitchen repair
  • Paint, interior and exterior
  • Plumbing repair
  • Porch repair or replacement
  • Retaining wall repair (for code violations, or if hazardous)
  • Roof repair or replacement
  • Sewer repair
  • Siding (if in poor condition)
  • Structural repair
  • Water line repair or replacement
  • Other repairs as necessary to meet program goals...

 

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