USDA Section 504 Home Repair Loan & Grant

USDA Rural Development

Available Home Repair

About This Program

Very low-interest loans (1%) and grants for very-low-income rural homeowners to repair or improve dwellings or remove health and safety hazards. Grants available only to homeowners 62 or older who cannot repay a loan.

Loan at 1% interest; grants only for seniors 62+ who cannot afford loan repayment

Key Details

  • Loans up to $40,000 at 1% interest
  • Grants up to $10,000 for seniors 62+ who cannot repay loan
  • Must be in eligible rural area
  • Very low income required (50% AMI or below)
  • Removes health/safety hazards, accessibility improvements

How to Apply

Get free help applying Visit Official Program Page Track this program

(208) 762-1257

A grant-savvy contractor in Coeur d'Alene, ID 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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