USDA Section 504 Home Repair Loan

USDA Rural Development

Available Home Repair

About This Program

Low-interest loan program for very low-income homeowners in eligible rural areas to repair, improve, or modernize their homes. Loans up to $40,000 at 1% fixed interest with 20-year repayment term.

20-year loan at 1% fixed interest rate

Key Details

  • 1% interest loan up to $40,000 for home repairs
  • Very low-income homeowners in eligible rural areas
  • 20-year repayment term
  • Covers major repairs and improvements
  • Must be unable to obtain affordable credit elsewhere

How to Apply

Get free help applying Visit Official Program Page Track this program

(919) 873-2017

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Deadline: Applications accepted year-round

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