The City of Bellevue Home Repair Program provides low- to moderate-income Bellevue homeowners with zero-interest home loans and grants for health- and safety-related repairs, including:
- Faulty plumbing
- Unsafe electrical wiring
- Poor heating
- Roof repairs
- Rotting gutters or porches/decks
- Earthquake retrofitting
Types of Loans and Grants
Deferred Payment Loans
Eligible repairs include health- and safety-related improvements for homeowners who meet low-income guidelines. The City provides a no-interest loan that does not have to be paid back until the homeowner sells the home or it is transferred to a new owner.
Maximum loan amount is $30,000 for the first year and up to $50,000 thereafter.
Homeowners must meet moderate income eligibility guidelines. The same type of health- and safety-related repairs qualify as for the deferred payment loans. With leveraged loans, the City provides one-half of the cost of the repairs and the homeowner provides the other half. This loan is also paid back only when the home is sold or transferred.
Maximum loan match with City funds is $17,500.
Eligible repairs are restricted to health and safety hazards requiring more immediate attention. Homeowners must meet low-income eligibility guidelines. Because this is a grant, not a loan, it does not have to be repaid.
Maximum grant award is $1,500.
This grant is offered in conjunction with Washington's Energy Match Program. Eligible repairs are restricted to insulation and heating systems. The homeowner is not required to repay the grant amount. Maximum grant award is $3,000.
In addition, the city also offers owners of single-family rental property no-interest, deferred payment loans to make health- and safety-related improvements. The city provides one-half of the cost of repairs, and the property owner provides the other half. The maximum loan match with the city fund is $8,500. The renter must qualify as low- or moderate-income for the landlord to qualify for this loan. The loan is paid back when the home is sold or transferred.
Minor home repair assistance, including volunteer assistance with yardwork, is offered by Catholic Community Services Volunteer Chore Services (425-284-2240) Senior Services (206-448-5751) provides low-income homeowners with help fixing leaking faucets and installing smoke detectors or installing locks.
To qualify for Bellevue's home repair assistance:
- You must have owned and lived in the house for which you are requesting assistance for at least a year.
- The house must be within the Bellevue city limits.
- You must meet the program's income requirements. To determine eligibility, count the number of household members residing in the house (household size) and check the maximum allowable income on the table below.
2019 Income Requirements
To determine income eligibility, count the number of household members residing in the house (Family Size) and check the maximum allowable income on the table. (Note: adjusted gross income.)
|Maximum Annual Income||1||2||3||4||5||6|
|1||Leveraged Loans (50/50 matching loan)||less than:||$61,800||$70,600||$79,450||$88,250||$95,350||$102,400|
|3||Emergency and Weatherization Grant/Loan||$23,250||$26,600||$29,900||$33,200||$35,900||$38,550|
1) Contact Sam Ezadean, the loan specialist in the Home Repair office, by e-mail or by phone at 425-452-6884 (TDD: 425-452-5262) about the repairs needed for your home.
2) If it appears you qualify, city staff will send you an application packet. Or, print out the application, complete it and mail it to:
Home Repair Office
Parks & Community Services
PO Box 90012
Bellevue, WA 98009-9012
Please do not e-mail this application, since it will contain your confidential financial information.
If you are eligible, staff will call you and arrange to make a site visit to determine the extent of the repairs and prepare a cost estimate. Then you choose a contractor, and city staff will oversee the repairs. The contractors will bill the city for the repairs, which will be paid by the city after the work is completed. The cost of the repairs are then recorded as a lien against your property.
No interest is charged on the loans. You do not have monthly payments. The only fees you will pay are recording and title fees, which are added to the amount of the repairs that you pay back to the city when you sell or transfer your home.
This program is made possible by funds allocated to Bellevue through the federal Department of Housing and Urban Development (HUD) Community Development Block Grant (CDBG).