Major Home Repair

The City of Lakewood Major Home Repair program for owner-occupied residences is funded by the federal Department of Housing and Urban Development (HUD) Community Development Block Grant (CDBG) program. Funding for this program allows low-income property owners make necessary property repairs, including energy efficiency and weatherization upgrades; structural repairs; sewer work; repair or replacement of major systems (electrical, plumbing, roofing, siding, windows & doors, etc); and accessibility improvements, including wheelchair accessibility improvements. General property upgrades such as painting, interior finishes, and bathroom and kitchen work are permitted.

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 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
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 $25,000 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 $25,000 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 .