Home Rehabilitation

Single Family Residence Rehabilitation Loan Program

The City of Tacoma offers a Single Family Residence Rehabilitation Loan program. The program is designed to assist low and moderate-income Tacoma homeowners in preserving the quality and stability of their home. Loans up to $25,000 are available.

 

Program Eligibility

This program is available to homeowners of owner-occupied, single-family residential properties in Tacoma. Households must earn 80% or less of the area median income (see table below for maximum income limits), as determined by the U.S. Department of Housing and Urban Development. The loan may be used for home repairs that are necessary to maintain the health and safety of the home and its occupants.

Homeowners must be current on mortgage payments, property taxes and property insurance to qualify for this program. Owners of mobile homes, condominiums, attached townhomes, duplexes, and homes that are for sale are not eligible for the Single Family Residence Rehabilitation loan program. Owners with a reverse mortgage on their home do not qualify for this program. Homeowners must  not have received any direct rehabilitation grant or loan funds from the Tacoma Community Redevelopment Authority for a period of 60 months prior to submitting a loan application.

Loan Details

Loan amounts may range from $5,000 to $25,000. The loan carries a zero percent simple interest and, depending on the condition and income status of the homeowner, may not require a monthly payment.

Under the Hardship Rule; if the homeowner(s) household income is at or less than 50% of the area median income, is a senior citizen (65 years-of-age), or is permanently disabled, the homeowner(s) will qualify for a zero percent deferred, up to 20-year loan.

The loan will become due and payable  once the home is refinanced, the home's title is transferred to another owner or the homeowner receiving the loan no longer lives in the residence. This program is completely voluntary, with assistance offered on a first-come, first-serve basis while funds are available.

Examples of Eligible Repair and Rehabilitation Work


  • Roof replacement
  • Exterior and interior painting
  • Window replacement
  • Carpet and flooring replacement
  • Heating and air system replacement
  • Electrical work
  • Sewer repair or installation
  • Termite and pest repair
  • Onsite exterior concrete flatwork such as sidewalks, driveways, curbs, gutters, hand rails, or ramps
  • Door and window screen repair or replacement
  • Foundation or structural repairs
  • Fencing and retaining walls

 

View completed home rehabilitation projects

Program Maximum Income Limits- Effective Dec. 18, 2013

Household Size Area Median Income 80% of Area Median Income (maximum income allowed)
 1  $46,900  $37,550
 2  $53,600  $42,900
 3  $60,300  $48,250
 4  $67,000  $53,600
 5  $72,400  $57,900
 6  $77,800  $62,200
 7  $83,100  $66,500
 8  $88,500  $70,800

If your home is in need of health or safety related repairs, is located within City of Tacoma limits, and you meet income requirements, contact Shannon Johnson at (253) 591-5230 for additional information.