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Home Repair Loans and Home Access Grants

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.

Home Repair Program fact sheet.

Loans and grants currently available and income limits are listed below.

Fill out an inquiry to find out if you are eligible!

REHAB LOANS: For low-income homeowners.

HOME ACCESS GRANTS: For low-income persons with physical disabilities to improve access and safety. (Some renters may not be eligible.)

If you have other quesitons, email us at 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

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.

Income Limits

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 SizeAnnual Gross Income (maximum)

Other Information

Contractor Listings

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:

Minority-owned and women-owned businesses are encouraged to get on the list!

For questions about the contractor list, contact Mike Woolman or Jayson Tidland at or 503-655-8591.

If you have a question or would like to request more information, please call: 503-655-8591.


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2051 Kaen Road
Oregon City, OR 97045

(503) 655-8591

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