Home Repair Grants in Oregon (2026 Guide)

Quick-reference table

Where Oregon homeowners should start

Use the repair problem, not just the word “grant,” to choose the first call. A furnace may fit weatherization, a rural safety repair may fit USDA, a dry well may fit a state grant, and a ramp may fit a local accessibility program.

Call the local Community Action Agency for heat and weatherization

Local Community Action Agencies deliver Oregon’s energy programs. Use the state’s energy assistance page to find your county agency, or call OHCS at 1-800-453-5511, option 1. Ask about energy assistance, heating repair, and the Weatherization Assistance Program. Homebound applicants can request phone, mail, or home-visit intake.

Use 211info when the right office is unclear

211info routes callers to housing, utility, disability, aging, and nonprofit services. Dial 211 or 1-866-698-6155, Monday through Friday, 8 a.m. to 6 p.m., or text your ZIP code to 898211 during listed weekday hours.

Ask the local housing office about the exact address

City and county boundaries matter. Say the street address and ZIP code before asking about income. Ask whether the office has an owner-occupied rehabilitation grant, deferred loan, forgivable loan, accessibility grant, emergency repair list, or partner nonprofit.

Statewide and rural Oregon programs

OHCS weatherization and heating-system help

Type of help: Weatherization service and energy assistance, not a normal consumer loan.

Oregon’s weatherization program may provide insulation, air sealing, heating-duct work, furnace repair or replacement, energy-related minor repairs, and certain health and safety measures. An energy audit decides which work is cost-effective and allowed.

OHCS sets the weatherization limit at 200% of the federal poverty level and gives priority to older adults, disabled people, households with children, and households with high energy use or burden. Energy assistance generally uses 60% of Oregon state median income.

Reality check: The local agency controls intake, an audit controls the work, and waitlists may apply. This is not general remodeling. See HRG’s roof repair help when a roof is the main issue.

USDA Section 504 in rural Oregon

Type of help: A grant, a 1% loan, or a combination.

The Oregon Section 504 program serves qualifying rural homeowners who occupy the home, meet the county very-low-income limit, and cannot obtain affordable credit elsewhere.

• Loan: Up to $40,000 at 1% fixed interest for 20 years for repair, improvement, modernization, or hazard removal.
• Grant: Up to $10,000 for homeowners age 62 or older who cannot repay a loan. Grant work must remove health and safety hazards.
• Combined help: Up to $50,000 under the regular program when both forms of assistance are approved.
• Not automatic: Rural location alone is not enough. Income, ownership, occupancy, credit availability, repair scope, and available funds all matter.

A grant must be repaid if the property is sold within three years. Secured loans may require title service and a lien. Applications are accepted year-round, subject to funds.

Call Oregon Rural Development Single Family Housing at 503-414-3300, extension 1, or 1-866-923-5626, extension 1. The state’s Oregon office list includes Central Point, La Grande, Pendleton, Redmond, Roseburg, and Tangent. HRG also has a plain-English Section 504 guide.

Well repair and replacement grants

Type of help: A state reimbursement grant.

The Oregon Water Resources Department’s well repair fund is one of the clearest open repair grants in the state. It may reimburse up to $40,000 for eligible work on a domestic well that is dry, severely declining, or damaged or destroyed by wildfire and no longer supplies enough water for essential household use.

The applicant generally must own and live in the home, have no other water source or real property, meet the income limit, and obtain a professional well assessment and estimate. A dry-well applicant normally must have owned the property for at least one year. Wildfire-displaced owners have a special occupancy rule.

Important: This is generally reimbursement after approval. The homeowner pays the licensed well contractor, then submits eligible costs. The state issues Form 1099-G. Other grant applications for the same well work can affect eligibility, so ask before pursuing two sources.

For application help, call 503-779-5763 or email OWRD well funding. Funds are first-come and can run out.

Heat pump incentives and unavailable rebates

Type of help: Incentives or rebates, not general repair grants.

The Community Heat Pump Deployment Program uses regional and tribal administrators. Eligible owner-occupied homes may receive up to $5,000 for a standard-efficiency system or $7,000 for a higher-efficiency system, plus up to $4,000 for eligible supporting upgrades. Apply through the serving administrator before work begins.

Do not confuse this with the Oregon Heat Pump Purchase Program. On the state’s heat pump purchase page, the owner-occupied allocation showed no funds remaining as of June 4, 2026. Rental and new-construction allocations have separate rules and balances.

Oil-heated homes

Type of help: A cash payment after eligible energy work, subject to funding.

The State Home Oil Weatherization program serves homes using heating oil or dyed diesel from an eligible dealer. It can help with heating equipment, insulation, windows or doors, air leakage, and limited safety work. Tier 1 maximums include up to $5,700 for a heating system and $17,600 total for eligible insulation areas. A conversion away from the dealer’s fuel is not eligible.

Funding warning: The OHCS page says the 2025-26 allocation was exhausted effective May 8, 2026, while applications could continue to be received for processing when new funds became available. Verify funding before hiring anyone. Applications generally must be made within one year after installation.

Restore Health and Safety for veterans

Type of help: State-funded repair assistance delivered by approved organizations.

OHCS says its Restore Health and Safety program has repair funds for veterans. It may cover accessibility, code, emergency, and structural-safety work. Some surviving spouses may qualify under partner rules.

There is no one statewide award amount or repayment rule. Ask the partner whether the help is a grant, deferred loan, forgivable loan, or another form of assistance before signing. The HRG page on veteran repair help explains other national paths that may apply.

Local Oregon repair programs

Local funding changes quickly, and a program can close when its yearly allocation is committed.

Portland

The Portland Housing Bureau Home Repair Loan is a forgivable deferred loan, not an immediate grant. It is limited to owner-occupied single-family homes in the Interstate Corridor TIF District and may cover critical structural, system, code, and accessibility work. Income can be up to 120% of area median income, with asset, tax, insurance, title, and equity checks. The balance is generally due after sale, transfer, refinance, or loss of owner occupancy unless the 15-year forgiveness rule is met.

Portland also funds nonprofit partners. Its repair partner page routes residents to Community Energy Project, Native American Youth and Family Center, Portland Community Reinvestment Initiatives, REACH, Rebuilding Together, and Unlimited Choices. These partners may provide weatherization, accessibility work, volunteer repairs, or smaller critical repairs. The type of help varies. Portland sewer problems may also require a separate route; see HRG’s sewer repair overview for questions to ask.

Washington County, Hillsboro, and Beaverton

Washington County offers a deferred loan of up to $25,000 with no monthly payments. Interest accrues at 3% for 10 years, and the debt is generally due when ownership transfers. Its accessibility and repair grant can provide up to $10,000 to certain households at or below 50% of area median income. Hillsboro’s separate grant is closed; Beaverton residents are directed to Unlimited Choices at 503-234-6167.

Clackamas County

Clackamas County accepts an inquiry first and may place the household on a waiting list. Its accessibility grant can provide up to $7,500 for eligible owners or renters with a physical disability. The county’s repair loans are deferred loans with 3% simple interest and no monthly payment while the borrower continues to occupy the home.

Manufactured homes in parks cannot use the countywide loan, but an accessibility grant may still be possible. Call 503-655-8591. For steps or rails, review HRG’s stairs repair questions before asking what access work is allowed.

Eugene and the rest of Oregon

Eugene normally offers 0% deferred loans up to $10,000, or $15,000 for roofing; eligible low-income mobile-home owners may receive a grant. The city says all current funding is allocated. Call 541-682-5446 about future intake or referrals.

Elsewhere, start with the Community Action Agency, local housing office, tribal housing office, or 211info. Many Oregon counties do not run a broad repair grant year-round, so USDA and weatherization may be stronger paths.

Help for special situations

Older adults, disabled homeowners, and caregivers

The Aging and Disability Resource Connection is a referral service, not a grant. It can locate home-modification and aging-in-place resources. Call 1-855-673-2372 or use the ADRC directory. Ask about ramps, rails, bathroom access, fall prevention, and small repairs.

Manufactured and mobile homes

Ask whether you own the land and whether the home is titled as real property. Some loans need both as security. Weatherization, accessibility grants, and nonprofit services may still help a park resident.

Tribal households

Tribal housing departments may run repair, accessibility, weatherization, or emergency programs with their own service area and enrollment rules. The Community Heat Pump Deployment Program also has tribal administrators. Contact the tribe’s housing office before assuming a county program is the only option.

2020 wildfire and windstorm survivors

ReOregon’s Homeowner Assistance and Reconstruction Program is not open to new applicants. The current HARP page says both the eligibility questionnaire and application are closed. Existing applicants can call 1-877-510-6800 or 541-250-0938.

Existing applicants should not start or continue work without case approval. Emergency repairs may need written approval so they do not interfere with an award.

How to apply without losing time

1. Describe one urgent repair. Start with the health or safety problem, such as “no safe heat,” “active roof leak near wiring,” or “well no longer supplies household water.”
2. Confirm the service area. Give the complete property address. Ask whether the program is rural-only, countywide, city-only, district-only, tribal, or tied to a utility.
3. Ask what kind of help it is. Get the answer in writing: grant, reimbursement grant, deferred loan, forgivable loan, regular loan, rebate, weatherization service, or volunteer repair.
4. Ask whether intake is open. If it is closed, ask for the next expected funding cycle, a waiting list, and one backup referral.
5. Do not start work. Approval, inspection, bids, or environmental review may be required first.
6. Keep copies. Save applications, emails, estimates, reports, and call notes.

Documents to gather

• Photo identification and proof of household income
• Deed, title, ownership record, and proof the home is your main residence
• Property-tax, mortgage, and insurance records
• Utility bills or heating-fuel records for energy programs
• Photos, code notices, well reports, insurance letters, and requested estimates
• Age, disability, veteran, tribal, or disaster records when relevant

What can delay approval

• Wrong jurisdiction: The home is inside a city that runs its own program or outside the required district.
• Funding is committed: A program exists but has no current money, as in Hillsboro and Eugene.
• Repair is not eligible: Programs usually favor health, safety, access, energy, and structural work over cosmetic upgrades.
• Title or tax problems: A deferred loan may require clear ownership, current property taxes, insurance, equity, and a lien.
• Work started early: A contractor began before inspection or written approval.
• Bid is above the cap: The program may require the owner to find other funds or reduce the approved scope.
• Contractor shortage: Rural areas may have fewer contractors able to follow program rules.

What to do after a denial or closed intake

1. Ask for the exact reason in writing.
2. Ask whether the decision can be reviewed or corrected with another document.
3. Try the next category, not the same application again. For example, move from a closed city grant to weatherization, USDA, ADRC, a tribal program, or a nonprofit partner.
4. Contact an OHCS housing counselor for help sorting title, mortgage, tax, or repair-financing issues.
5. Ask 211info for emergency shelter, utility, food, or legal-help referrals if the repair threatens immediate housing stability.