Community Development

We provide loans to low-income homeowners for needed and critical home repairs and small grants to low-income persons with disabilities to make their homes more accessible.

Home repair loans help low-income homeowners pay for needed and critical repairs. Our goal is to eliminate unhealthy or hazardous conditions, eliminate barriers to accessibility, improve safety for persons with physical disabilities and incorporate energy conservation measures that reduce energy costs and usage.

If you have other questions, email us or call 503-655-8591.

How does the Housing Rehabilitation Program work?

The program offers low-interest loans and grants to help homeowners in Clackamas County repair their homes and improve accessibility.

Steps to obtain a home repair loan or accessibility grant:

1. Complete an on-line inquiry or call our office for assistance.
2. We will review your application and determine eligibility. If it appears you may be eligible we will add you to the waiting list. When funding is available, we will send you a letter. If you are still interested, you may then apply.
3. If you qualify, a County Rehabilitation Specialist will inspect your property to determine what repairs are needed. Health and safety items are a priority.
4. You will request bids from contractors of your choice. A list of interested contractors is available for your convenience.
5. Your County Rehabilitation Specialist will assist you throughout the construction process.

Accessibility Grants

Low-income homeowners (and eligible renters) with physical disabilities may be eligible for a grant up to $7,500 to cover the cost of improving access and safety. Examples of eligible improvements: wheelchair ramps, handrails and widened doorways, kitchen or bathroom accessibility improvements such as roll-in showers, raised toilets and grab bars. (For renters in apartments, at least 51% of the units in the structure must be occupied by low-income households.)

Home Repair Loans

Basic loan requirements

Home must be located in Clackamas County and must be in need of repair.

• Applicant must own or be buying property and must be in title
• Owner must live in property
• Property taxes must be current
• Applicant must have sufficient equity
• Loans for exterior repairs require that the exterior of homes be brought up to HUD Housing Quality Standards (HQS) and Clackamas County minimum rehab standards.
• Loans for a single purpose are limited to one health or safety item only.
• All work must be done by Oregon-licensed and bonded contractors.
• Manufactured homes in parks do not qualify for a loan. (OK for an Accessibility Grant.)

Deferred Payment Loan (DPL) terms

Low 3% per year simple interest.

Payments are deferred — no monthly payments — as long as homeowner lives in home, or until sold, title transferred, refinance, or change of use.

Loans are secured by a lien on the property.

Current annual gross income limits effective May 1, 2024

The household's annual gross income must be less than 80% of the county's median income, as determined by HUD. The current limits that apply to loans and grants are shown below.

Information for Contractors

We are currently soliciting for contractors who may be interested in bidding on projects in the Housing Rehabilitation Loan Program. Contractors on our list must be licensed, bonded and registered with the State of Oregon Construction Contractors Board and have experience in housing rehabilitation.

We do not recommend or endorse any contractors. Contractors on the HUD debarred list are not eligible to apply.

If you are interested in working with our program, please complete the contractor information application and return to our office. Please include copies of your CCB registration, insurance certificates and certifications of specific trades, including asbestos or lead-based paint.

Applications and supporting documents may be sent via

If you have any questions or need additional information, you may call County Rehabilitation Specialists Jayson Tidland or Mike Woolman at 503-655-8591.

The Continuum of Care (CoC) is a consortium of individuals and organizations with the common purpose of planning a housing and services continuum for people who are homeless. The CoC is not a formal advisory council to Clackamas County although it does operate with County support. The CoC was originated to meet the Federal HUD requirement for Continuum of Care McKinney-Vento funds to flow into Clackamas County for people who are homeless.

Want to receive announcements and updates? Join the Listserv!

Stay informed about the CoC by signing up for the listserv. Communications include time-sensitive and informative announcements about resources, events, trainings, advocacy opportunities, job opportunities within the local housing community, CoC Program funding updates, and more.

To join the listserv, please contact Raina Smith-Roller at rsmithroller@clackamas.us

Housing Services Meeting

The fourth Wednesday of every month, the Continuum of Care meets via Zoom. This meeting is open to the public. For more information, including accessibility requests, contact Raina Smith-Roller at rsmithroller@clackamas.us or 971-352-2684.

Mission

The CoC's mission is to facilitate the development of a continuum of care (housing + services) that provides opportunities to significantly mitigate homelessness in Clackamas County, via:

• Full utilization of mainstream resources;
• Coordination of service delivery and housing systems;
• Systemic agreements and institutional targeting of populations at high risk of homelessness;
• Creative cultivation of new resources;
• Public awareness to foster a collective sense of responsibility.

Principles

The CoC's mission is based on these principles which permeate its implementation:

• Equity of access to housing and services;
• Choice and self-determination as consistently part of the process;
• Treating people with dignity and respect, regardless of their housing status;
• Culturally competent services;
• Non-judgmental approach to people and their problems throughout the housing and service systems.

Activities

The CoC's activities are targeted to:

• Annual re-applications for funding of homeless programs and services.
• Identify and advocate for the needs of people who are homeless in Clackamas County;
• Facilitate the development of a continuum of care including housing and services for people who are homeless in Clackamas County;
• Develop short and long term plans to mitigate homelessness in Clackamas County.
• Recommend funding priorities to HUD for new and renewal projects.

Find more information about our Homeless Management Information System (HMIS), which is used to collect and report data about services provided to those experiencing or at risk of experiencing homelessness in Clackamas County.

Clackamas County Coordinated Housing Access

Continuum of Care Application

The CoC submits an annual application to the U.S. Department of Housing and Urban Development (HUD) articulating the CoC's planning efforts and other activities within Clackamas County which relate to people experiencing homelessness.
The FY2024-2025 Continuum of Care (CoC) funding competition has officially closed, and we extend our gratitude to all agencies who participated by submitting their applications.

If you’re interested in future CoC funding opportunities, we strongly encourage both new and returning agencies to get in touch to learn how the CoC’s initiatives align with HUD’s mission and Clackamas County’s goals.

Want to Learn More?
Contact Raina Smith-Roller at 971-352-2684 or rsmithroller@clackamas.us to find out more about the CoC’s programs and how to apply for future funding. We look forward to welcoming new partners committed to making a positive impact in our community.

Thank you for your interest and dedication to creating meaningful change in Clackamas County!

Point-in-Time (PIT) Homeless Count

For prior year reports contact: Mark Sirois by phone 503-655-8591 or email at marksir@clackamas.us.