USDA Section 504 Home Repair Program

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 their homes. Grants up to $10,000 available for homeowners 62+ who cannot repay a loan. Carmel may qualify in certain areas.

Combined loan and grant for seniors in eligible areas

Key Details

  • Loans up to $40,000 at 1% interest
  • Grants up to $10,000 for seniors 62+
  • Income at or below 50% AMI required
  • Must be in USDA-eligible rural area
  • Grant does not require repayment

How to Apply

Get free help applying Visit Official Program Page Track this program

(317) 290-3100

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

Deadline: Applications accepted year-round

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