Veteran Restore Health and Safety Program

Applications will be available starting June 22.

The Veteran Restore Health and Safety Program provides essential health and safety home improvements for qualified veterans.

These repairs are provided by Habitat for Humanity in the form of 0% interest loans.

Eligible repairs focus on safety, accessibility, and preventing further damage. Examples include:

Roof replacement and repair
Plumbing and electrical
Heating/cooling (HVAC) systems
ADA ramps and fall prevention improvements
Wheelchair accessible flooring
Window replacement and repair
Water intrusion mitigation and moisture repair
Other health and safety related improvements

Who Qualifies for the Veteran Restore Health and Safety Program?

The Veteran Restore Health and Safety Program is made possible through funding from Oregon Housing and Community Services (OHCS).

To be eligible, applicants must meet the following criteria:

Applicant must be a veteran (or veteran spouse eligible for VA benefits) and provide proof of veteran status including DD-214 or Oregon Department of Veterans’ Affairs (ODVA Website) benefit verification
Household gross income cannot exceed 100% AMI

Household Size	1 person	2 people	3 people	4 people	5 people	6 people	7 people	8 people
Annual Income Limit (100% AMI)	$89,810	$102,640	$115,470	$128,300	$138,564	$148,828	$159,092	$169,356

The home must be owner occupied
The home must be the primary residence 
The home must be in eligible zip codes
Multnomah County
- 97024, 97030, 97060, 97078, 97080, 97201, 97202, 97203, 97204, 97205, 97206, 97207, 97208, 97209, 97210, 97211, 97212, 97213, 97214, 97215, 97216, 97217, 97218, 97219, 97220, 97221, 97223, 97225, 97226, 97227, 97228, 97229, 97230, 97231, 97232, 97233, 97236, 97239, 97266

Washington County
- 97003, 97005, 97006, 97007, 97008, 97123

How Habitat’s Home Repair program works

Habitat manages the entire repair project from start to finish.
We hire and work directly with licensed contractors. Skilled Habitat volunteers are also utilized.

Homeowners do not receive cash; Habitat pays our contractors directly.

To keep repairs affordable for homeowners, Habitat offers 0% interest loans.

Understanding the Home Repair Loan

The loan available to qualified homeowners will be dependent on:

The size and type of repair
Available program funding
Household income and eligibility

Important things to know:

Not everyone qualifies for all available loan options
The goal is to help people fix critical issues without financial hardship

Home Repair Loan Overview

Repayable Microloan (Small Monthly Payments)
For smaller repair projects

0% interest
Flexible terms (12-48 months)
Affordable monthly payments
Payment amount is based on income

Examples:

$4,500 loan at 80% AMI → approx. $28/month for 48 months
$4,500 loan at 50% AMI → approx. $21/month for 48 months

Deferred, Secured Loan (No Monthly Payments)
For larger or more complex repairs

0% interest
Secured by a lien on the home
No monthly payments required
Loan is forgiven after 15 years if homeowner continues living in the home

Frequently Asked Questions

I don’t know my veteran’s discharge status. Do I qualify?

Check with your local veterans’ service office to determine your discharge status.

Multnomah County Veterans Services Website
Washington County Veterans Services Website

I can’t find my paperwork. Do I need to submit this in order to submit an application for repairs?

You may still submit your application while you gather the required documents. Your application will not be considered complete until all documents are received.

Check with your local veterans’ service office for help on missing paperwork.

Multnomah County Veterans Services Website
Washington County Veterans Services Website

My child is a Veteran. Am I eligible?

No, this program is only for veteran homeowners or their surviving spouses.

A Veteran lives in my home but does not own the home. Do we qualify?