USDA Section 504 Home Repair Loan & Grant

USDA Rural Development

Available Home Repair

About This Program

USDA program providing low-interest loans (1% fixed) up to $40,000 and grants up to $10,000 for very low-income rural homeowners to repair, improve, or modernize their homes. Grant portion available only to seniors 62+ who cannot repay a loan.

Combined loan and grant available; grant portion for seniors 62+ only

Key Details

  • Loan up to $40,000 at 1% interest
  • Grant up to $10,000 for seniors 62+
  • Very low income required (50% AMI)
  • Must be in USDA-designated rural area
  • Repairs must remove health/safety hazards

How to Apply

Get free help applying Visit Official Program Page Track this program

(301) 394-1361

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

Deadline: Applications accepted year-round

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