Home Repair Loans and Home Access Grants

We provide loans to low-income homeowners for needed and critical home repairs, and small grants to help low-income persons with disabilities make their homes more accessible.

We assist low-income (income limits) persons. Loans and grants currently available are listed below. For more information or to see if you may be eligible for assistance, complete the online loan inquiry below or call 503-655-8591.

Fill out an inquiry!

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 are not eligible.

Loans available

Single Purpose. Maximum loan: $15,000. Health or safety item only. Examples: water/well, septic/sewer, 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.

Home Access Grant

Low-income homeowners 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 raised toilets and grab bars.

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 12/04/2012.

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.

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- and women-owned businesses are encouraged to apply.

Contractors: Contact Rob Morris to learn how to get on the list rmorris@co.clackamas.or.us or 503-655-8591.

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