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Home Repair Loans and Home Access Grants

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.

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 disabiliies, to improve access and safety. (Some renters may not be eligible.)

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.)

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.

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.  These limits became effective December 2013.

Household Size Annual Gross Income (maximum)
1 $38,850
2 44,400
3 49,950
4 55,500
5 59,950
6 64,400
7 68,850
8 73,300

Other Information

  • 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.)

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:

  • General Contractors
  • Specialty Contractors
  • Home Access Contractors
  • LBP General Contractors

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

For questions about the contractor list, contact Mike Woolman  mwoolman@clackamas.us or Jayson Tidland at jtidland@clackamas.us or 503-655-8591.

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