Home repair loans help low-income homeowners pay for needed and critical repairs. Our goal is to eliminate unhealthy or hazardous conditions, eiminate barriers to accessibility, improve safety for persons with physical disabilities and incorporate energy conservation measures that reduce energy costs and usage.
We provide loans to low-income homeowners for needed and critical home repairs and small grants to low-income persons with disabilities to make their homes more accessible.
Loans and grants currently available and income limits are listed below.
If you have other quesitons, email us at CDGeneral@clackamas.us or call 503-655-8591.
Information for Contractors!
Home Access Grant:
Low-income homeowners (and eligible renters) with physical disabilities may be eligible for a grant up to $5,000 to cover the cost of improving access and safety. Examples of eligible improvements: wheelchair ramps, handrails and widened doorways, kitchen or bathroom accessibility improvements such as roll-in showers, raised toilets and grab bars. (For renters in apartments, at least 51 percent of the units in the structure must be occupied by low-income households.)
Home Repair Loans:
Single Purpose. Maximum loan: $15,000. Health or safety item only. Examples: water/well, septic/sewer, roof or heat. Primary heat source only -- woodstoves & pellet stoves are considered a secondary heat source. (No equity required.)
Exterior Repairs. Maximum loan: $25,000. Examples: Roof/Gutters, Paint, Weatherization, Windows/Doors, Foundation. (Credit and equity requirements apply.)
Complete Repairs. Maximum loan: $35,000. Complete home repairs must meet Community Development rehab standards.
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% per year simple interest. Payments are deferred -- 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.
The household's annual gross income must be less than 80% of the County's median income. The current limits that apply to loans and grants are shown below.
|Household Size||Annual Gross Income (maximum)|
- 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 for a loan. (OK for a Home Access Grant.)
We do 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
Minority-owned and women-owned businesses are encouraged to get on the list!
If you have a question or would like to request more information, please call: 503-655-8591.
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