USDA Section 504 Home Repair Program

About This Program

Federal program providing loans and grants to very-low-income homeowners in rural areas to repair, improve, or modernize their homes or remove health and safety hazards. Seniors age 62+ may qualify for grants up to $10,000; loans available up to $40,000 at 1% interest for 20 years.

Grant or low-interest loan depending on age and repair need; grant does not require repayment

Key Details

• Grants up to $10,000 for seniors 62+
• Loans up to $40,000 at 1% interest
• Very low income required (50% AMI or below)
• Must be in rural area or town under 10,000
• Repairs must address health/safety hazards

How to Apply

A grant-savvy contractor in Alachua, FL can handle the paperwork, inspections, and timelines so your funding releases on schedule. Getting matched is free.

Deadline: Ongoing, subject to annual appropriations