USDA Section 504 Home Repair Program

USDA Rural Development

Available Home Repair

About This Program

Federal program providing loans up to $40,000 and grants up to $10,000 for very low-income rural homeowners to repair, improve, or modernize their homes. Grants available only to seniors age 62+ who cannot repay a loan.

Grant available for seniors 62+; otherwise 1% interest loan

Key Details

  • Loans up to $40,000 at 1% interest for repairs
  • Grants up to $10,000 for seniors 62+ unable to repay loan
  • Very low income requirement (50% AMI or below)
  • Must own home in rural area
  • Covers accessibility modifications and critical repairs

How to Apply

Get free help applying Visit Official Program Page Track this program

(859) 224-7300

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Deadline: Rolling applications

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