City of Seattle · Seattle homeowners
Seattle Side Sewer Assistance Program
Interest-free loans help income-qualified Seattle homeowners repair a broken or collapsed side sewer.
Call to confirmChecked October 11, 2026
An interest-free loan for side sewer repairs. The page advertises $15,000 one-time savings. Confirm the approved loan amount and repayment terms with the Office of Housing.
Apply for me
We use your saved answers and ask only what is missing. You review and sign before anything is sent.
Who can apply
- You must live in Seattle, own and occupy your home, need an eligible side sewer repair and meet the Home Repair Income Guidelines.
Documents to gather
Required Documents Checklist
- Include the completed checklist with your application.
Resident Information
- List every person permanently living in the home, including renters and children. Renters’ income is excluded from overall household income. Attach a separate page when more than six people live in the home.
Earned income · if it applies
- At least the last two months of most recent pay stubs, showing legal name and address.
Investment withdrawals · if it applies
- Statement or letter from the provider for investment accounts withdrawn from within the past two months before applying.
Child support income · if it applies
- Statement showing payments received and the full Parenting plan if applicable.
Pension or retirement income · if it applies
- Current-year payment form or letter from the company paying the pension or retirement income.
Unemployment income · if it applies
- Copy of Employment Security Department records or claim history. Request records at https://esd.wa.gov/newsroom/public-records or call the Office of Housing at 206-684-0244 to request the form.
Social Security or SSI income · if it applies
- Current-year benefits letter or form showing monthly payments, full legal name and address. Do not send the 1099 form. Request from Social Security or call 800-772-1213.
Rental income · if it applies
- Most recent rental agreement, including income from rooms, detached units or other properties.
Alimony income · if it applies
- Documentation showing monthly alimony payments received.
Self-employment income · if it applies
- Current-year Profit & Loss statement and statement of projected anticipated earnings for the year.
Asset Information · if it applies
- Last two months of statements for checking and savings accounts.
Homeowner Insurance Policy · if it applies
- Current yearly insurance statement showing coverage amount and term date.
IRS Tax Filings · if it applies
- All pages of the previous two years of tax filings and schedules, not worksheets. Request missing copies from the IRS.
IRS nonfiling record · if it applies
- Get Form 4506-T Request for Transcript of Tax Return, use www.irs.gov or call 800-908-9946 if you do not file taxes. Send the information returned by the IRS with your application.
Nonresident legal owner address · if it applies
- Current mortgage statement, rental lease, utility bill or bank statement showing the additional legal owner’s current address.
Signed How It Works document
- Return the full signed Home Repair Loan Program Process How It Works document. Each joint owner must complete and sign. Attach a separate page for more than two owners; retain the client copy.
IRS Form 4506
- Include IRS Form 4506 with the application.
IRS Form 4506-T
- Include IRS Form 4506-T with the application.
The questions on the application (72)
List of major repairs needed:
Are your property taxes included? · optional · if it applies
Yes · No
Is your homeowner’s insurance included in your payment? · optional · if it applies
Yes · No
Owner’s full name:
Phone Number: · optional
Tty: · optional
Date of birth: · optional
E-mail: · optional
What are your Preferred Gender Pronouns? · optional
She/Her · He/Him · They/Them · No Preference · Other:
Other: · optional · if it applies
Current Street Address: · optional
City: · optional
State: · optional
Zip code: · optional
Marital Status: · optional
Married · Unmarried
Current Employer Name: · optional
Social Security Number: · optional
Do you have more than 8 household members? · optional
Yes · No
1. Are there any household members that fall under the following demographics? · optional
8 choices
Another race or ethnicity (please specify): · optional · if it applies
2. Let us know which language you’d prefer: · optional
17 choices
Language not listed: · optional · if it applies
Name shown on tax return. If a joint return, enter the name shown first. · optional
First social security number on tax return, individual taxpayer identification number, or employer identification number (see instructions) · optional
If a joint return, enter spouse’s name shown on tax return. · optional · if it applies
Second social security number or individual taxpayer identification number if joint tax return · optional · if it applies
Current name · optional
address · optional
apt., room, suite, or inmate no. · optional
city · optional
state · optional
ZIP code · optional
Previous address shown on the last return filed if different from line 3 (see instructions). · optional · if it applies
Phone number of taxpayer on line 1a or 2a · optional
If the tax return is to be mailed to a third party (such as a mortgage company), enter the third party’s name, address, and telephone number. · optional · if it applies
Tax return requested. · optional
If the copies must be certified for court or administrative proceedings, check here · optional
Year or period requested. · optional
Year or period requested. · optional
Year or period requested. · optional
Year or period requested. · optional
Year or period requested. · optional
Year or period requested. · optional
Year or period requested. · optional
Year or period requested. · optional
Cost for each return · optional
Number of returns requested on line 7 · optional
Total cost. Multiply line 8a by line 8b · optional
If we cannot find the tax return, we will refund the fee. If the refund should go to the third party listed on line 5, check here · optional · if it applies
Name shown on tax return. If a joint return, enter the name shown first. · optional
First social security number on tax return, individual taxpayer identification number, or employer identification number (see instructions) · optional
If a joint return, enter spouse’s name shown on tax return. · optional · if it applies
Second social security number or individual taxpayer identification number if joint tax return · optional · if it applies
Current name · optional
address · optional
apt., room, suite, or inmate no. · optional
city · optional
state · optional
ZIP code · optional
Previous address shown on the last return filed if different from line 3 (see instructions) · optional · if it applies
Phone number of taxpayer on line 1a or 2a · optional
Customer file number (if applicable) (see instructions) · optional
Transcript requested. · optional
Return Transcript · optional
Account Transcript · optional
Record of Account · optional
Verification of Nonfiling · optional
Form W-2, Form 1099 series, Form 1098 series, or Form 5498 series transcript. · optional
Year or period requested. · optional
Year or period requested. · optional
Year or period requested. · optional
Year or period requested. · optional
Information Regarding Additional Legal Owner: answered for each person (Owner’s full name:, Phone Number:, TTY:, Date of birth:, E-mail:, Current Street Address:, City:, State:, Zip code:, Social Security Number:).
List the full legal names of everyone permanently living in the home, whether they are part of your family or not.: answered for each person (Full Name, Relationship, Date of Birth, Gross Monthly Income).
What you agree to
The undersigned specifically acknowledge(s) and agree(s) that: (1) the loan requested by this application will be secured by a mortgage or deed of trust on the property described herein; (2) the property will not be used for any illegal or prohibited purpose or use; (3) all statements made in this application are made for the purpose of obtaining the loan indicated herein.(4) occupancy of the property will be as indicated above; (5) verification or re-verification of any information contained in the application may be made at any time by the Lender, its agents, successors and assigns, either directly or through a credit reporting agency, from any source named in this application, and the original copy of this application will be retained by the Lender, even if the loan is not approved; (6) if any of my/our circumstances change prior to closing, I/we understand we must provide updated information.; (7) in the event my/our payments on the loan indicated in this application become delinquent, the Lender, its agents, successors and assigns, may, in addition to all their other rights and remedies, report my/our name(s) and account information to a credit reporting agency; (8) ownership of the loan may be transferred to successor or assign of the Lender without notice to me and/or the administration of the loan account may be transferred to an agent, successor or assign of the Lender with prior notice to me; (9) the Lender, its agents, successors and assigns make no representations or warranties, express or implied, to the Borrower(s) regarding the property, the condition of the property, or the value of the property.
I give the Seattle Office of Housing (City) permission to submit requests or release information to other non-profit organizations or government agencies for the purpose of providing assistance to me. Such information may include but is not limited to my application, income and related documents, results of inspections conducted by the property rehabilitation specialist, the home repair scope of work and completed repairs. Such information may result in my receiving or being denied other City assistance. I authorize the City to enroll me in all City or King County assistance programs for which I am eligible.
You are hereby authorized to release to the City of Seattle, The Office of Housing (OH), and The Department of Human Services (DHS), any information which you may have in your files concerning the undersigned, including, but not limited to, employment records, bank accounts, loan accounts, credit and financial reports, and mortgage and contract amounts.
Certification: I/We certify that the information provided in this application is true and correct as of the date set forth opposite my/our signature(s) on this application and acknowledge my/our understanding that any intentional or negligent misrepresentation(s) of the information contained in this application may result in civil liability and/or criminal penalties including, but not limited to, fine or imprisonment or both under the provisions of Title 18, United States Code, Section 1001, et seq. And liability for monetary damages to the Lender, its agents, successors and assigns, insurers and any other person who may suffer any loss due to reliance upon any misrepresentation which I/we have made in this application. I certify I have received and read a copy of “Protect Your Family from Lead Based Paint.”
Applicant's Signature Date Co-Applicant's Signature Date
Homeowner’s Acknowledgement: Please sign demonstrating you understand “Home Repair Loan Program Process — How it Works.”
Signature of taxpayer(s). I declare that I am either the taxpayer whose name is shown on line 1a or 2a, or a person authorized to obtain the tax return requested. If the request applies to a joint return, at least one spouse must sign. If signed by a corporate officer, 1 percent or more shareholder, partner, managing member, guardian, tax matters partner, executor, receiver, administrator, trustee, or party other than the taxpayer, I certify that I have the authority to execute Form 4506 on behalf of the taxpayer. Note: This form must be received by IRS within 120 days of the signature date.
Signature of taxpayer(s). I declare that I am either the taxpayer whose name is shown on line 1a or 2a, or a person authorized to obtain the tax information requested. If the request applies to a joint return, at least one spouse must sign. If signed by a corporate officer, 1 percent or more shareholder, partner, managing member, guardian, tax matters partner, executor, receiver, administrator, trustee, or party other than the taxpayer, I certify that I have the authority to execute Form 4506-T on behalf of the taxpayer. Note: This form must be received by IRS within 120 days of the signature date.
After you apply
- Office of Housing staff review and process the application.
- After approval, a Property Rehabilitation Specialist assesses your side sewer and helps you get bid estimates.
- After a contractor is chosen, Office of Housing prepares and records the loan documents. Repairs can start only after the loan is completed and all documents are signed.
- Processing time varies.
- Staff approval comes before the property assessment and bid estimates.
Before you send it
- Do not start repairs before the loan is completed and all loan documents are signed and recorded.
- The program does not pay for fast emergency service, sewer maintenance, clearing or jetting, installing only a liner, or repairs done before loan documents are recorded.
What we could not check
- The page lists no deadline and offers paper and online applications. Sewer funding and any waitlist have not been confirmed.
- Some details here could not be confirmed. Check with City of Seattle Office of Housing before you apply.