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New Home Rehabilitation Loan Program (HRLP) for Rural Low-Income Households

Relief is coming for rural low-income homeowners needing repair help, starting November 2018.

The Home Rehabilitation Loan Program (HRLP) will provide deferred loans to rural, low-income households that need repairs and improvements  on their primary residence for health, safety, or durability. Funding for the loan program comes from the State of Washington Capital Budget.

Loan applications and loan services are only available in the rural areas shown below on the map.

If you are interested in applying and live in one of these areas, click on the map to see who to contact for an application.

Commerce does not distribute applications and loans directly.

For Loan Clients - How to Find Locations Offering Loans

  • Find your location on the map
  • Click on your location for information on who serves your county
  • Click on the purple house symbol for details on who to contact for information

The Home Rehabilitation Loan Program (also called Rural Rehab) funds Rehabilitation Agencies to provide deferred loans to rural, low-income households needing repairs and improvements on their primary residence to increase health, safety and durability.

Rural low-income households with income at or below 200% of the federal poverty level can get a deferred loan.

Number of People in Household

Income Maximum

   1

        $24,280

   2

        $32,920

   3

        $41,560

  4

        $50,200

   5

        $58,840

   6

        $67,480

   7

        $76,120

   8

        $84,760

For each additional person add: 

         $ 8,640

When the program begins in November 2018 you will be able to contact the Rehabilitation Agency serving your rural county to apply. These Rehabilitation Agencies are:

Benton-Franklin Community Action CommitteeBenton, Franklin Counties
Blue Mountain Action CouncilColumbia, Garfield, Walla Walla Counties
Chelan-Douglas Community Action CouncilChelan, Douglas Counties
Olympic Community Action ProgramsClallam, Jefferson Counties
Coastal Community Action ProgramGrays Harbor, Pacific Counties
Community Action Partnership – IdahoAsotin County
Community Action Center of Whitman CountyWhitman County
Community Action Council of Lewis, Mason and Thurston CountiesLewis, Mason, Thurston Counties
Housing Authority of Skagit CountySkagit County

Lower Columbia Community Action Council

Rural Resources Community Action

Cowlitz, Wahkiakum Counties

Ferry, Pend Oreille, Lincoln Counties

Okanogan County Community Action CouncilOkanogan County
 The Opportunity Council Whatcom, Island, San Juan Counties
 Yakima Valley Farm Workers Clinic Part of Yakima County
 OIC of WA Adams, Grant, part of Yakima Counties

This program is for residents in non-entitlement areas of Washington State.
Residents of these 32 Washington counties are eligible
Adams
Asotin
Benton
Chelan
Clallam
Cowlitz
Douglas
Ferry
Franklin
Garfield
Grant
Grays Harbor
Island
Jefferson
Kittitas
Klickitat
Lewis
Lincoln
Mason
Okanogan
Pacific
Pend Oreille
San Juan
Skagit
Skamania
Stevens
Wahkiakum
Walla Walla
Whatcom
Whitman
Yakima

Residents of the cities listed below in these counties are NOT eligible
Anacortes
Bellingham
East Wenatchee
Kennewick
Longview
Mount Vernon
Pasco
Richland
Kennewick
Walla Walla
Wenatchee
Yakima


Work on your home must be residential repairs and improvements that affect health, safe, and durability of your home. They must be essential improvements like rot removal, foundation/structural improvements, energy-related improvements, lead-based paint and asbestos work, improvements for handicapped persons, repair or replacement of major housing systems, emergency storm repairs, seismic retrofits, or radon mitigation.

1. You have to own and live in the house that is going to be repaired.
2. Your income must be at or below 200% of the federal poverty level as adjusted for family size. (see chart in answer to “Who can get a loan?” above)
3. You must be living in one of the rural areas listed above.

You will be given priority if you are a senior citizen, a person with a disability a veteran, or in a family with children five years old and younger.

If you are an eligible household you can borrow either up to 80% of the home’s assessed value after rehabilitation, or up to $40,000, whichever is less.

The interest rate for the program is set based on the previous year’s consumer price index. Loans issued in 2018 will have an interest rate of 2.1%. Loans issued in 2019 are expected to be have an interest rate of 2.9%. Your interest rate is not adjustable; once you take out a loan, your interest rate is fixed for the length of the loan.

Rehabilitation Agencies may need to, and are authorized to charge you up to 7% of the home rehabilitation costs as an administrative fee. This fee is to help cover the costs of title reports, project management, and loan processing fees.

Yes. This program is a revolving loan fund so homeowners are required to pay the loan principal, administrative fee and interest when they sell or transfer the ownership of the home or when it is no longer their primary residence. While this is a deferred loan program, homeowners can choose o make periodic payments.

Loan Program Reference Documents

Commerce Contact

Program Manager
Housing Improvements and Preservation Unit
brooke.harris@commerce.wa.gov