Becoming a homeowner is an American dream many people strive to achieve in their lifetime. It helps families build savings, strengthen neighborhoods, and boosts local economies. Home repairs grants help families stay in safe, healthy, and comfortable living conditions. That is why the State of Washington has programs to help low-income homeowners fi their homes. This article discusses home repair grants in Washington to help you meet your home improvement needs. Happy reading.
New Home Rehabilitation Loan Program (HRLP) for Rural Low-Income Households
Need home repair help in your rural home? The purpose of the Home Rehabilitation Loan Program is to offer deferred loans to low-income income homeowners living in rural areas. The purpose of the fund is to improve health, safety, and home durability. To qualify for the program support, you must use the home as your primary residence. Your income must not exceed 200% of the federal poverty level. The program receives funding from the Washington State Capital Budget. The funds you may receive depend on your income level and household size. Read more at https://www.commerce.wa.gov/growing-the-economy/energy/weatherization-and-energy-efficiency/rural-rehab/.
Home Repair Loans Deferred/Interest Bearing Loans (DIBL)
You can use these loans to fund home repair activities, including roofing, electrical work, plumbing, replacement, or repair of heating/cooling systems. You can also do structural repair, weatherization, exterior painting, and accessibility modifications. Only qualified and licensed contractors do the home repair work. The program staff is always available to help you identify home repairs, estimate possible costs, arrange bids for contractors, and monitor the work done. You can qualify for up to $25,000 through this program. Are you a single mother, veteran, person living with a disability, or a senior homeowner looking for help with home improvement? Get help by clicking here.
Home Access & Repair for the Disabled and Elderly (HARDE)
You may qualify for up to $8,000 grants to cover urgent home repair costs and accessibility improvements for senior and disabled homeowners. Eligible home repairs include repair or replacement of heating systems, roofing, electrical work, plumbing, and accessibility improvements such as accessible bathrooms, ramps, and grab bars. Homeowners can qualify for both home repairs and accessibility modifications. Renters, on the other hand, are only eligible for accessibility improvements. Owners of both mobile and conventional homes can apply for the program assistance. Visit
Rebuilding Together is a non-profit national organization working towards revitalizing homes of low-income homeowners. The organization provides home repair assistance to seniors, the disabled, single moms, and veterans. Specific annual rebuilding days and homeowners are looking to apply for assistance must do so in advance of the period. Find out more at http://rebuildingtogether.org/affiliates/.
The U.S. Veterans Affairs
Through VA, veterans or their spouses may qualify for a maximum of $50,000 to help with home improvements. These grants are used to make disability modifications and approval depends on when and how you acquired disability. Read more about the program at https://www.benefits.va.gov/homeloans/adaptedhousing.asp.
Home Repair Loan Program
This program provides low-cost loans to low-income homeowners. The purpose of the loan program is to address critical safety, health, and structural issues. Homeowners living in single-family dwellings and owner-occupied homes and are meeting low-income limits may apply for the program assistance. The program focuses on addressing health and safety concerns. The program’s staff offers expert advice to ensure the repair work is done correctly and charged reasonably. If you don’t qualify for the loan, some grants could help. Read more at https://www.seattle.gov/housing/homeowners/home-repair.
Single-Family Housing Repair Loans & Grants in Washington
The USDA Rural Development’s Single-Family Housing Repair Loans & Grants Program provides financial support to low-income families in rural areas to enable them to make home improvements. You may qualify for up to $20,000 loans for home repair, modernization, or improvements. Loans are given at a 1% interests rate and are payable over 20 years. The program offers up to $7,500 grants to low-income seniors to help them remove health and safety hazards from their homes. To qualify for the program support, you must provide proof that you own and occupy the house. Meet the below-income limits (below 50% of the area median income) and be unable to obtain affordable credit from other sources. For grants, must be 62 years or older. Want to check if your home address is eligible for assistance? Click here. Families can qualify for a combination of both grants ad loans. Grants are not repaid unless the homeowner sells, transfer ownership, or ceases to occupy the property within three years of receiving the funds. All applications are accepted through your local Rural Development (RD) Office. Wondering if you will get approved for the program assistance? Well, approval for support depends on the availability of funds. You can talk to a USDA Home Loan Specialist in your location to help you navigate through the process of application. Find out more at https://www.rd.usda.gov/programs-services/single-family-housing-programs/single-family-housing-repair-loans-grants/wa.