Owner Occupied Housing
This program is available to Kent residents to assist them in making needed repairs to their
homes. The program focuses on rehabilitating homes by replacing old and
outdated features, providing new roofs, windows, doors and other energy
saving features, replacing heating systems, as well as updating
electrical systems. The program cannot repair accessory buildings or
assist with physical additions to a home or improvements outside the
home. Funds cannot be used to purchase new appliances. The City can
provide up to $30,000 of assistance in this program.
How to Qualify
The program is available to owner occupied homes in the City of Kent. Additionally, the owner
must meet the following criteria:
•Have resided in the home for at least one year, and
•Meet the Household Income Requirements
for Kent’s Housing Programs.
The Owner Occupied Housing Rehabilitation Program provides assistance in the form of a loan
to the homeowner. The repayment of the loan is not required until the
home is sold or transferred at a later date. The City charges a simple
interest rate of 3% per year and interest only accrues for the first ten
years of the loan. The original principal of the loan and any accrued
interest are repaid at the time of transfer. The City does require
the homeowner to provide a note and mortgage to the City of Kent to
secure the loan.
Other Important Information
Federal and State regulations governing the control
and abatement of Lead Based Paint Hazards may require that the occupants
of the home find temporary housing outside the home for a period of up
to several weeks to allow the lead paint removal to be undertaken
without endangering the occupants of a home.
In many cases, the need for this temporary housing
may only be a few days or may not be needed at all. The need for
temporary housing is determined on a case by case basis when the house
is evaluated by inspectors. Homes constructed after 1978 do not have
lead paint removal issues.
Persons interested in participating in the program
should evaluate the impact of the additional debt on their home that
will be created with the housing rehabilitation loan. These loans may
impact the homeowner’s ability to obtain additional future financing
(such as a home equity loan) where the future financing requires a loan
subordination by the City or equity in the home. In some cases, the new
housing rehabilitation loan coupled with the existing home mortgage(s)
could place the homeowner in a “negative equity” situation where the
owner owes more on the home that what it is worth. The Community
Development Department can help assist potential applicants in
evaluating their situation.
Since the City relies on the availability of new
funding and the repayment of previously made loans to provide money for
new loans, the demand for the program may exceed the funding available.
To deal with this, the City maintains a waiting list on a first come –
first serve basis. To get placed on the waiting list, an interested
applicant must complete a one page pre-application form and submit it to the City’s Community Development
Department for review.
For more information about this program, or if you have any questions, please contact the City’s
Community Development Department at 330-678-8108 or send an email with
your name, address and email address to
Bridge Susel, Director of