King County Housing Repair, Deferred Payment Loan

King County Dept. of Community & Human Services

Available Home Repair

About This Program

King County Housing Repair, Deferred Payment Loan is available to homeowners in Seattle, WA.

King County's Housing Repair Program offers 0% interest deferred-payment loans up to $34,000 for low-income homeowners outside Seattle city limits (excluding Bellevue, Federal Way, Kent, and Auburn) for major health and safety repairs. Covered repairs include roof replacement, new septic systems, plumbing and electrical upgrades, and structural issues. Repayment is due when the home is sold, title is transferred, or it is no longer the primary residence.

Average loan is estimated at $20,000-$34,000 for major system repairs; actual amount depends on repair scope.

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, repaid only when home is sold or transferred
  • Up to $34,000 for major health and safety repairs
  • Serves King County OUTSIDE Seattle, Bellevue, Federal Way, Kent, Auburn
  • Covers roofs, septic, plumbing, electrical, structural issues
  • Call 206-263-9095 Mon-Fri 8am-3pm to apply

How to Apply

Get free help applying Visit Official Program Page Track this program

206-263-9095

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).
  • 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.

Email us about this program

Frequently asked questions

How much can King County Housing Repair, Deferred Payment Loan provide in Seattle, WA?

Up to $34,000.

Who qualifies for King County Housing Repair, Deferred Payment Loan in Seattle?

King County Housing Repair, Deferred Payment Loan is open to homeowners in Seattle, WA. It prioritizes low-income households.

How do I apply for King County Housing Repair, Deferred Payment Loan in Seattle, WA?

Apply directly with King County Dept. of Community & Human Services using the official program link on this page or call 206-263-9095. 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.

Get matched with a pro, free Browse Seattle, WA contractors

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This is just one of many grants, rebates, and free programs available. Stack them together to maximize your savings.

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