Seattle HomeWise Home Repair Loan Program

Seattle Office of Housing

Available Home Repair

About This Program

Seattle HomeWise Home Repair Loan Program is available to homeowners in Seattle, WA.

The Seattle Office of Housing provides 0% interest deferred-payment loans to income-qualified homeowners (below 80% AMI) for critical health, safety, and structural repairs. Loan amounts range from $3,000 to $24,000, with some borrowers qualifying for fully deferred repayment until sale or title transfer. Priority repairs include roof replacement, electrical upgrades, plumbing, furnace replacement, accessibility modifications, and hazardous materials abatement.

Based on a typical roof or heating system repair at program midpoint; actual loan amount depends on scope of work and credit review.

Official program page checked live on 2026-06-22.

Data last verified 2026-04-03. How we verify our data.

In Seattle, WA, you can combine this program with other local help to cut your cost:

Key Details

  • 0% interest, deferred repayment until home sale or transfer
  • Loans from $3,000 up to $24,000
  • Must own and occupy within Seattle city limits
  • Household income below 80% AMI required
  • Apply online at civiform.seattle.gov or call (206) 684-0244

How to Apply

Get free help applying Visit Official Program Page Track this program

(206) 684-0244

A grant-savvy contractor in Seattle, WA can handle the paperwork, inspections, and timelines so your funding releases on schedule. Getting matched is free.

You will likely need a contractor to apply

Projects like this almost always need a licensed contractor, and many grants ask for a written estimate as part of your application. Lining up a contractor in Seattle early keeps your application moving.

Get matched with a contractor

Each program sets its own contractor rules. Check the official program page for exact requirements.

Your application paperwork

Documents you will likely need

  • Proof you own and live in the home (deed, recent mortgage statement, or property tax bill).
  • A government-issued photo ID for every owner on title.
  • Household income proof (recent pay stubs, last year's tax return, or benefit award letters for everyone in the home).
  • A written estimate from a licensed contractor for the work (many programs require this to apply).
  • A recent utility bill for the home (energy and weatherization programs use it to confirm service and usage).
  • Photos of the problem area or the work to be done.
  • The program's own application form, completed (use the official link or phone number on this page).
Download this checklist (PDF)

Requirements vary by program and locality. Confirm the exact rules on the official program page. We can help you prepare your paperwork, but you submit it yourself.

Deadline: Rolling

Questions about this program?

Ask us. It is free, and a real person answers within a business day.

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Frequently asked questions

How much can Seattle HomeWise Home Repair Loan Program provide in Seattle, WA?

Up to $24,000.

Who qualifies for Seattle HomeWise Home Repair Loan Program in Seattle?

Seattle HomeWise Home Repair Loan Program is open to homeowners in Seattle, WA. It prioritizes low-income households.

How do I apply for Seattle HomeWise Home Repair Loan Program in Seattle, WA?

Apply directly with Seattle Office of Housing using the official program link on this page or call (206) 684-0244. There is no middleman and no fee.

Need a Contractor for This Grant?

Grant-approved contractors understand the documentation, inspections, and timelines, so your funding releases on schedule.

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