USDA Section 504 Home Repair Loan & Grant

USDA Rural Development

Available Home Repair

About This Program

Low-interest loans and grants for very low-income homeowners in eligible rural areas to repair, improve, or modernize homes or remove health and safety hazards. Grant portion available to seniors age 62+ who cannot afford loan repayment.

Combination of 1% interest loan and grant for seniors age 62+

Key Details

  • Loan up to $27,500 at 1% interest
  • Grant up to $10,000 for seniors 62+
  • Very low income required (50% AMI or below)
  • Must be in USDA-eligible rural area
  • Covers repairs and accessibility improvements

How to Apply

Get free help applying Visit Official Program Page Track this program

(908) 236-6330

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Deadline: Rolling applications

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