Oak Harbor Owner-Occupied Rehabilitation Program

City of Oak Harbor Community Development (CDBG)

Available Home Repair

About This Program

CDBG-funded program providing forgivable loans for major home repairs to low and moderate-income owner-occupants in Oak Harbor. Loan is forgiven after 10 years of continuous owner-occupancy. Covers structural repairs, systems replacement, and code compliance work.

Forgivable loan, no repayment if you remain in home for 10 years

Official source site checked live on 2026-06-17.

Data last verified 2026-06-09. How we verify our data.

Key Details

  • Forgivable loan for major home repairs up to $35,000
  • Income at or below 80% AMI required
  • Must be owner-occupied in Oak Harbor city limits
  • Forgiven after 10 years of continuous occupancy
  • Covers roofing, plumbing, electrical, HVAC, structural

How to Apply

Get free help applying Visit Official Program Page Track this program

(360) 279-4576

A grant-savvy contractor in Oak Harbor, 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 Oak Harbor early keeps your application moving.

Get matched with a contractor

This program is usually a forgivable loan: you owe nothing if you stay in the home for the set period, but it may place a lien on the property until then.

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: Applications accepted year-round subject to funding

Questions about this program?

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

Email us about this program

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 Oak Harbor, WA contractors

Find More Programs in Oak Harbor, WA

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

See All Programs