Home Repair

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 low- to 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.

Only those Homeowners who have property within Seattle jurisdiction may apply.  In your message, please include:  

  1. Property address,
  2. Brief description of your needed major repairs, and  
  3. Let us know if you're a recipient of a letter from Office of Housing, or other agency.

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.

  • Accessibility needs and modifications
  • Appliances, if existing ones are nonfunctional, inefficient or in very poor condition (no washers or dryers) 
  • Bathroom repair
  • Brick or masonry repair
  • Chimney repair
  • Door and window repair or replacement (if in poor condition)
  • Driveway or walkway repair
  • Electrical upgrades
  • Floor repair and covering
  • Foundation repair or replacement
  • Furnace/boiler repair or replacement
  • Gutter repair or replacement
  • Hazardous materials abatement
  • Hot water heater repair or replacement
    • Hot water tanks might be replaced if determined they are failing, must be leaking, or rusted.  We do not replace because of their age
  • Kitchen repair
  • Paint (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

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.

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.

Income Limits for Home Repair Program

For more information please contact Theresa.Cortez@seattle.gov.


Maiko Winkler-Chin, Director
Address: 700 5th Ave, Suite 5700, Seattle, WA, 98104
Mailing Address: PO Box 94725, Seattle, WA , 98124-4725
Phone: (206) 684-0721
Fax: (206) 233-7117

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The mission of the Office of Housing (OH) is to create strong, healthy communities, prevent displacement, and increase opportunities for people of all income levels to live in Seattle.