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Seattle HomeWise Home Repair Loan Program

Seattle Office of Housing

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About This Program

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.

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

Deadline: Rolling

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