Hubbard Loan Program, Loans, Government Help

Hubbard County Rehabilitation Loan Programs


Down Payment Assistance

Hubbard County HRA administers a down payment assistance program designed to promote home ownership. Through this program the HRA offers loans that are deferred with no interest for five years. Repayment of the principal begins after 5 years at 4% interest.

Hubbard County HRA Down Payment Assistance Application

Hubbard County HRA In-House Rehabilitation Loan Program

The Hubbard County HRA has created an In-House Rehabilitation Loan Program to assist low to moderate income households make necessary repairs to their homes to keep their home safe, healthy and affordable.

To be eligible you must:

  • Own and occupy the home to be rehabilitated
  • Meet the income limits (household income limit may be waived if the loan proceeds will be used exclusively for accessibility improvements)
  • Various property types are eligible including single family homes, an individual unit in a Planned Unit Development (PUD), a townhome, a unit of a condominium, a manufactured home permanently affixed to a foundation and taxed as real property, and a duplex, triplex or fourplex.

Program Features:

  • Higher loan-to-value ratio than traditional lending loan products
  • Maximum loan amount is $15,000
  • 3% fixed interest rate for the life of the loan
  • Monthly payment amount will be based on household’s ability to pay, with a maximum debt-to-income ratio of 45%.
  • Maximum repayment term will be 20 years

Hubbard Loan Program, Loans, Government Help
Loan. Programs, Low Income

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