Homeowner Rehabilitation Program

The Homeowner Rehabilitation Program preserves affordable housing for low-income households by fixing or repairing health and safety deficiencies in their home. The residence must be occupied by the homeowner and have a household income at or below 80% of the area median income (AMI). 

The Rehabilitation Loan Program is available to homeowners who live in the following areas:

  • Grandview
  • Harrah
  • Mabton
  • Sunnyside
  • Toppenish
  • Union Gap
  • Wapato
  • Zillah
  • Unincorporated Yakima County
The City of Yakima has its own HOME Program that serves the residents of the City of Yakima. The cities/towns of Selah, Moxee, Granger, Tieton, and Naches participate in the State's HOME Program by default because they do not participate in a local HOME Program.

Eligibility

  

  • Your estimated property value after rehabilitation cannot exceed $242,000 (effective June 1, 2021)
  • You must qualify based on household income and number of household members
  • Your mortgage and property taxes must be current
  • You must have equity in the home greater than or equal to the estimated cost of rehabilitation
  • The property must comply with local zoning and nuisance ordinances

Eligible Repairs

 

   
The following are examples of what may be repaired or replaced:
  • Appliances (hot water heater, range/oven, refrigerator)
  • Bathrooms
  • Doors and windows
  • Electrical wiring
  • Floor coverings (carpet, tile, vinyl, laminate)
  • Foundations
  • Heating
  • Plumbing
  • Wells
  • Roofs
  • Siding
  • Lead, asbestos, and mold abatement
  • Accessibility modifications as part of the overall rehabilitation
Final determination of the scope of work will be made by HOME Consortium staff with input from licensed contractors as needed.

Loan Terms

This program requires a 3-year deferred and forgivable loan to enforce a 3-year period of affordability. The homeowner is not required to make payments and the loan will be forgiven once the 3-year period of affordability is complete. If the home is sold during the period of affordability, the County will recapture a portion of the loan. Additional information will be provided during the application process. The home must also remain the primary residence of the homeowner who received assistance for the duration of the period of affordability.