Northwest Access Fund, Home Modification Loans

Northwest Access Fund (nonprofit lender)

Available Home Repair

About This Program

Northwest Access Fund, Home Modification Loans is available to homeowners and renters in Seattle, WA.

Northwest Access Fund provides low-interest loans up to $60,000 (10-year term) to Washington, Oregon, and Idaho residents of all ages with disabilities for home accessibility modifications, repairs, weatherization, and assistive home technologies. Eligibility requires proof of disability and demonstrated ability to repay; income is evaluated but there is no strict income cap. The program serves people with physical, sensory, cognitive, and age-related disabilities.

Loan amount up to $60,000; a typical ramp plus bathroom modification project may cost $10,000-$30,000.

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

  • Low-interest loans up to $60,000 with 10-year term
  • No strict income cap, ability to repay evaluated
  • Open to residents with physical, sensory, cognitive, or age-related disabilities
  • Covers ramps, grab bars, smart home tech, weatherization, and more
  • Call 206-328-5116 or toll-free 877-428-5116

How to Apply

Get free help applying Visit Official Program Page Track this program

206-328-5116

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.
  • Proof of age (driver's license or birth certificate) if the program is age-based.
  • Documentation of disability (award letter or a physician's statement) if the program is disability-based.
  • 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 Northwest Access Fund, Home Modification Loans provide in Seattle, WA?

Up to $60,000.

Who qualifies for Northwest Access Fund, Home Modification Loans in Seattle?

Northwest Access Fund, Home Modification Loans is open to homeowners and renters in Seattle, WA. It has no income limit. It serves seniors.

How do I apply for Northwest Access Fund, Home Modification Loans in Seattle, WA?

Apply directly with Northwest Access Fund (nonprofit lender) using the official program link on this page or call 206-328-5116. There is no middleman and no fee.

Need a Contractor for This Grant?

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