David Bugher (253) 983-7739 • Fax (253) 512-2268 • DBugher@cityoflakewood.us
Assistant City Manager for Development/Community Development Director

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Effective April 1, 2018, the maximum after-rehabilitation property value allowed is $254,000.

The City of Lakewood owner-occupied Housing Rehabilitation program is funded by the federal Department of Housing and Urban Development’s (HUD) HOME Investment Partnership Act (HOME) program. Funding for this program provides for the correction of all code-related deficiencies or conditions in the home. Additionally, this program offers a comprehensive housing rehabilitation program which allows for general repairs and/or upgrades to the entire home.

Examples of Eligible Repairs

  • Roof replacement or repair
  • Electrical repairs or upgrades
  • Plumbing repairs including sinks, toilets, tub/shower replacement
  • Kitchen and bathroom improvements
  • Structural and emergency repairs
  • Accessibility improvements, wheelchair accessibility improvements
  • Windows, doors and storm doors
  • Insulation
  • Heating systems- repair or replacement with energy efficient heating systems, including heat pumps
  • Energy conservation and energy efficiency upgrades such as tankless water heaters, and water-saving plumbing fixtures
  • Energy Star appliances and lighting upgrades
  • Siding
  • Painting- interior and exterior
  • Sewer work/connections

Do I qualify for the program?

To be eligible for this program, applicants must: a) meet income guidelines of 80% of the Median Income Limit, established by HUD (see Table below); b) reside within the Lakewood city limits; and c) own and occupy your home as your primary residence.

HOME Program Income Limits
Family Size Median Income 30% of Median
Income Limit
50% of Median
Income Limit
80% of Median
Income Limit
HOME Effective: June 15, 2017
1 $50,700 $15,650 $26,100 $41,750
2 57,900 17,900 29,800 47,700
3 65,100 20,150 33,550 53,650
4 72,300 22,350 37,250 59,600
5 78,100 24,150 40,250 64,400
6 83,900 25,950 43,250 69,150
7 89,700 27,750 46,200 73,950
8 95,500 29,550 49,200 78,700

Priority for services shall be given to individuals who are disabled, elderly and/or very low-income.

What are the loan terms and when will I be required to repay the loan?

Loans up to $65,000 (up to $75,000 for accessibility improvements) with 1% interest and small monthly payments depending on income level are available to qualified homeowners who meet the program requirements. Loans in excess of program limitations may be authorized on a case-by-case basis in extenuating circumstances, to address health, safety and emergent situations. Maximum loan-to-value shall not exceed 95 percent combined loan-to-value (total of all liens on property); however, loan values up to 125 percent, but not more than the FHA 221(d)(3) limits for Pierce County, may be authorized in extenuating circumstances. The final loan amount will be determined by the actual cost of repairs and/or improvements.

The owner/occupant must have lived in the home for at least one year prior to application. Repairs made shall be subject to all adopted city building code and property requirements. All identified lead-based paint hazards must be eliminated upon project completion.

How do I apply?

This program is administered by the Community Development Department located on the second floor of Lakewood City Hall at 6000 Main St. SW. For more information or to apply for this program contact Program Coordinator Martha Larkin at (253) 983-7754 or e-mail .