Housing Rehabilitation Program
Please fill out this online inquiry
to see if you might qualify!
REHAB LOANS: Potentially eligible homeowners are added to the waiting list and are assisted on a first-come, first-served basis.
HOME ACCESS GRANTS: If you have a physical disability, need help to improve the access and safety of your home and appear to qualify for the program, we will send out an application right away. Renters and homeowners are eligible.
The Housing Rehabilitation Loan Program provides low-income (see income limits) homeowners with loans for needed and critical home repairs. The program is ongoing. Loans currently available are listed below.
To participate in the Program, a property owner must submit an application. Only low-income households may qualify for the program. For further information or to see if you may be eligible for assistance, complete the online loan inquiry or call 503-655-8591.
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BEFORE | AFTER |
Loans available as of July 1, 2010
Complete Repairs. Maximum loan: Up to $40,000. Underwriting and equity requirements apply.
Exterior Repairs. Maximum loan: Up to $25,000. Underwriting and equity requirements apply. Examples: Roof/Gutters, Paint, Weatherization, Windows/Doors, Foundation.
Single Purpose (health or safety item). Maximum loan: $15,000. Examples: Water/Well, Septic/Sewer, Heat.
Basic Loan Requirements
Home must be located in Clackamas County and must be in need of repair
- Applicant must own or be buying property and must be in title
- Owner must live in property
- Property taxes must be current
- Applicant must have sufficient equity
Deferred Payment Loan (DPL) terms
Low 3% interest deferred payment loans. No monthly payments.
Deferred as long as homeowner lives in home, or until sold, title transferred, refinance, or change of use.
Loans are secured by lien on property.
Home Access Grant
Low-income persons with physical disabilities may be eligible for a grant up to $3,000 to cover the cost of improving access and safety.
- Renters and property owners are eligible.
- All dwelling types are eligible including mobile homes and apartments.
Examples of eligible improvements: wheelchair ramps, handrails and widened doorways, kitchen or bathroom accessibility improvements such as raised toilets and grab bars.
Housing Rehab Income Limits
Current annual gross income limits that apply to loans and grants are as follows:
Total Household Size | 3% Deferred Payment Loan Annual Gross Income must be less than (80% of median) |
1 | 39,900 |
2 | 45,600 |
3 | 51,300 |
4 | 56,950 |
5 | 61,550 |
6 | 66,100 |
7 | 70,650 |
8 | 75,200 |
Other Information
- Loans for complete repairs require that homes be brought up to HUD's Housing Quality Standards (HQS) and meet Clackamas County's minimum rehab standards.
- Loans for exterior repairs require that the exterior of homes be brought up to HUD's Housing Quality Standards (HQS) and Clackamas County's minimum rehab standards.
- Loans for a single purpose are limited to one health or safety item only.
- All work must be done by Oregon-licensed and bonded contractors.
- Manufactured homes in parks do not qualify.
Contractor Listings
The Community Development Division does not recommend or endorse specific contractors. However, the Housing Rehabilitation Program does maintain the following lists of Oregon-licensed and bonded contractors for referral purposes:
- General Contractors
- Specialty Contractors
- Home Access Contractors
- LBP General Contractors
For more information contact George O'Donnell or Kathy Rock at (503) 655-8591.
Minority- and women-owned businesses are encouraged to apply.
Contractors: Learn how to get on the list
