Housing Rehabilitation

Effective August 23, 2013 the maximum after-rehabilitation property value allowed is $177,000.

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.

CDBG and HOME Program Income Limits
Family Size Median Income 30% of Median
Income Limit
50% of Median
Income Limit
80% of Median
Income Limit
CDBG Effective: December 18, 2013; HOME Effective: May 1, 2014
1 $46,900 $14,100 $23,450 37,550
2 53,600 16,100 26,800 42,900
3 60,300 18,100 30,150 48,250
4 67,000 20,100 33,500 53,600
5 72,400 21,750 36,200 57,900
6 77,800 23,350 38,900 62,200
7 83,100 24,950 41,550 66,500
8 88,500 26,550 44,250 70,800

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 no 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 .