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.

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

If you have other quesitons, email us or call 503-655-8591.

Information for Contractors!

How does the Housing Rehabilitation Program work?

The program offers low-interest loans and grants to help homeowners in Clackamas County repair their homes and improve accessibility.

Steps to obtain a home repair loan or accessibility grant:

  1. Complete an on-line inquiry or call our office for assistance. If it appears you may be eligible we will add you to the waiting list. When funding is available, we will send you a letter. If you are still interested, you may then apply.
  2. We will review your application and determine eligibility.
  3. If you qualify, a Rehab Advisor will inspect your property to determine what repairs are needed. Health and safety items are a priority.
  4. You will request bids from contractors of your choice. A list of interested contractors is available for your convenience.
  5. Your Rehab Advisor will assist you throughout the construction process.

Accessibility Grants

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

  Max. loan
Single Purpose
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.)
$15,000
Exterior Repairs
Examples: Roof/Gutters, Paint, Weatherization, Windows/Doors, Foundation. (Credit and equity requirements apply.)
$25,000
Complete Repairs
Complete home repairs must meet Community Development rehab standards.
$35,000

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.

Current annual gross income limits effective June 1, 2018

The household's annual gross income must be less than 80% of the County's median income, as determined by HUD. The current limits that apply to loans and grants are shown below.

Household Size Annual Gross Income (maximum)
1 $45,600
2 52,100
3 58,600
4 65,100
5 70,350
6 75,550
7 80,750
8 85,950

Other information

Contractors

We are currently soliciting for contractors who may be interested in bidding on projects in the Housing Rehabilitation Loan Program. Contractors on our list must be licensed, bonded and registered with the State of Oregon Construction Contractors Board and have experience in housing rehabilitation.

We do not recommend or endorse any contractors. Contractors on the HUD debarred list are not eligible to apply.

If you are interested in working with our program, please complete the contractor information application and return to our office. Please include copies of your CCB registration, insurance certificates and certifications of specific trades, including asbestos or lead-based paint.

Applications and supporting documents may be mailed to: Clackamas County Community Development, 2051 Kaen Rd., STE 245, Oregon City, Oregon 97045; Faxed to 503-655-8563; or emailed.

If you have any questions or need additional information, you may call County Rehab Specialists, Jayson Tidland or Mike Woolman at 503-655-8591.

    • 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
    • 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 an Accessibility Grant.)