USDA Section 504 Home Repair Loan & Grant

About This Program

Provides loans and grants to very low-income homeowners in eligible rural areas to repair, improve, or modernize their homes or to remove health and safety hazards. Grants up to $7,500 available for seniors (62+) unable to repay a loan.

Grant up to $7,500 for seniors 62+; loan up to $40,000 at 1% interest for others

Key Details

• Loan up to $40,000 at 1% interest for repairs
• Grant up to $7,500 for seniors 62+ unable to repay
• Very low income required (50% AMI or below)
• Must be in USDA-eligible rural area
• Owner-occupied single-family home only

How to Apply

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

Deadline: Apply year-round; subject to funding availability