The Home Repair Program helps low-income homeowners located in Habitat’s current Neighborhood Revitalization Initiative (NRI) focus neighborhood, restore and maintain their homes. Habitat will partner with homeowners to alleviate critical health and safety issues and complete needed home improvement projects.
How it Works
Habitat is currently accepting applicants for exterior repair and preservation work.*
These projects could include but are not limited to the repair, replacement, or upgrade of:
- Windows and Exterior Doors
- Steps, Ramps, Porches, Decks and Retaining Walls
- Walkways and Driveways
- Brush and Junk Removal
- Exterior Painting
After program eligibility is determined, the homeowner must demonstrate their ability to pay for a loan without exceeding a 30% front-end debt-to-income (DTI) for housing costs and without exceeding the maximum loan amounts and terms. The maximum allowable AMI is 80%. Applicants who are 30% and under of the AMI will automatically pay a $100 one-time recapture contribution.
The loan amount and term will be determined as follows:
All applications will be sent to underwriting. Underwriting will determine applicant eligibility and payment amounts will be determined based on affordability, keeping the maximum front end debt at 30%. The maximum loan term will be 5 years (60 months). Applicants who cannot afford to pay on a loan will pay a $100 one-time recapture contribution that will be collected prior to the beginning of repair work.
*To offer more financial assistance options, Habitat offers a Home Repair Individual Development Account (IDA) program. This 3:1 matched savings program allows homeowners to save for interior as well as exterior repairs that meet health, safety and/or accessibility needs. Please note that eligibility criteria for the IDA program are slightly different than those listed below for the Home Repair and Preservation Program.*
Repair Program Areas
Qualify for a Home Repair
Does your home need critical repair work? See if you qualify for Habitat’s Home Repair & Preservation program and discover the steps to apply. Learn more>>
Interested in seeing the repairs Habitat has completed in Seattle – King County? Find out here! Learn more >>