USDA Section 504 Home Repair Loan & Grant

USDA Rural Development

Open Home Repair

About This Program

Federal program offering 1% interest loans up to $40,000 and grants up to $10,000 for very-low-income homeowners in USDA-eligible rural areas to make essential repairs. Grants available only to homeowners age 62+. Some Baltimore County areas may qualify.

Loan at 1% for 20 years; grant (62+ only) up to $10,000; rural areas only

Key Details

  • Loans up to $40,000 at 1% interest for 20 years
  • Grants up to $10,000 for homeowners aged 62+
  • Must be in USDA-eligible rural area (some MD areas qualify)
  • Income must be below 50% of area median income
  • Delaware-Maryland office: 302-857-3580

How to Apply

Visit Official Program Page Track this program

302-857-3580

Deadline: Ongoing

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