Home Repair Loans and Grants

The Home Repair Loan Program provides affordable loans to income-qualified homeowners to address critical health, safety, and structural issues. The program is designed for owner-occupied, single family homes with moderate-income households. 

The no interest loans are funded by local and federal programs that prioritize repairs that address health and safety concerns. Homeowners are given as much flexibility as possible, and our trusted staff will offer expert guidance throughout the process to ensure the work is done well, and on budget. 

Loan Limits and Terms 

Loans through the Home Repair Loan Program start at $3,000. All loans will have 0% interest. Some borrowers may also qualify for a deferred loan that has no monthly payments. 

If you do not qualify for a loan, a Home Repair Grant may be available. Call us at (206) 684-0244 to learn more. 

Side Sewer Repairs 

If your home needs a side sewer repair or are unsure if your side sewer is broken, please see the Side Sewer Assistance Program. Qualified individuals can get a 0% interest loan to repair side sewers.

How much can I save with this program?

With this program, you can expect to save an average of $20,000 annually.

To qualify for a home repair loan or grant you must:

• Own property within City of Seattle limits
• Have low-income — less than 80% of the Area Medium Income (AMI)

2024 Income Guidelines (effective 4/22/24)

The Office of Housing's home repair program has different income eligibility thresholds depending on whether the assistance is a grant or a loan. The home repair limits are the very low-income limits (for grants) and the low-income limits (for loans), both as adjusted and published by HUD.

View Income Limits for Home Repair Program.

Eligible Repairs

The Home Repair Loan Program is designed to address immediate health, safety, and structural deficiencies. Other improvements will be considered on a case by case basis. The following is a partial list of priority issues. Final determination of improvements will be made by OH staff.

To apply to the program:

• Download the Home Repair Loan application and mail the completed form to:

Seattle Office of Housing  
Attn: Weatherization Applications 
PO Box 94725 
Seattle, WA, 98124-4725 

• If you cannot print the application, call us at (206) 684-0244 or email us at HealthyHome@seattle.gov to ask for that a physical copy be mailed to you. In your message, please include your property address, the repairs you are requesting, and your contact information.
• Apply online.
  • You will need to create an account to fill out the online application and upload the required documents. If you already have an account with Seattle City Light or Seattle Public Utilities, you can use it to log in and apply.

Interested contractors are invited to review the Contactors page to learn more about how to work with us and what typical work could include.

For general questions regarding the Home Repair Program, please call us at (206) 684-0244 or email us at HealthyHome@seattle.gov.