My house needs repairs

Many low-income homeowners do not have the means to repair or maintain their homes, yet affordable housing often has dangerous or unhealthy defects. SNAP has several types of Home Repair Programs that can make repairs, or provide access to loans, for items in your home that pose health or safety hazards such as no heat, no water and low-cost plumbing issues.

In addition, some low-income homeowners are forced by accident or ill health into wheelchairs and do not have the means necessary to install wheelchair ramps or other accessibility modifications. Wheelchair ramps can be built for renters  if a letter of permission if received from the owner.

Here are some of the issues our home repair programs can help with:

  • Septic problems
  • Sewer problems
  • Plumbing problems
  • Leaking faucets
  • Roof replacement (loans only)
  • Hot water tanks
  • Furnace repairs
  • Appliance repairs
  • Accessibility modifications (wheelchair ramps and handrails)
  • Some electrical problems

This program does not assist with cosmetic work.

To Apply:

Contact SNAP

Funding is limited so we prioritize requests and cannot ensure assistance even to those who are eligible.

Time Frame:
After approval, home repairs may take one day to two months to complete. Wheelchair ramps may take up to six weeks. Priority is given to requests from the elderly, handicapped, chronically or terminally ill, and those families with small children.

 

house_before_after
Read more about how Franziska was able get her home repaired using several programs including a low interest loan from SNAP.

Home Repairs
Free or low cost minor repairs

  • Must be an owner-occupied property.
  • Households must be below 50% AMI (Area Median Income).
  • If you are over 60 and not below 50% of median income, a sliding-fee scale is used to determine the percentage of cost SNAP will cover. You will be billed for the remaining amount.
  • Refrigerators may be repaired for renters over the age of 60, but only with legal proof of ownership of appliance.
Low Interest Home Repair Loans (Spokane City Residents)
3% interest loans for major repairs (between $10,000 and $30,000. Some loan restrictions apply). 

  • Must be an owner-occupied property.
  • Must live in the City of Spokane.
  • Households must be below 80% AMI (Area Median Income).
  • Must be current on property taxes, homeowner insurance, and mortgage payments.
    • If you are struggling to make your mortgage payments we can help
  • If you’ve filed bankruptcy in the past, some restrictions may apply.
  • Previous borrowers can apply for additional assistance for the same home.
  • Testing and repairs for specific health/safety measures are required.
Low Interest Home Repair Loans (Spokane County Residents – not in City of Spokane)
3% interest loans for home repairs. Funding is very limited

  • Must be an owner-occupied property.
  • Must live in Spokane County (but not in the City of Spokane).
  • Households must be below 80% AMI (Area Median Income).
  • Must be current on property taxes, homeowner insurance, and mortgage payments.
    • If you are struggling to make your mortgage payments we can help
  • Must have equity in your home (The fair market value of the home must be higher than the outstanding mortgage amount

Washington State and Federal fair housing and lending regulations apply.


SNAP is an Equal Opportunity Employer. Discrimination complaints can be filed with SNAP’s E.O. officer at 509-456-7627. Auxiliary aids and services are available upon request to individuals with disabilities. Translation services are available upon request for those with limited English.