USDA Section 504 Home Repair Loans & Grants

About This Program

Federal loans up to $40,000 (1% interest, 20-year term) and grants up to $10,000 for very-low-income homeowners in eligible rural areas to repair, improve, or modernize their homes. Grants limited to homeowners 62+ for health and safety hazard removal.

Very-low-income, eligible rural area, grants for age 62+ only

Key Details

• Loans up to $40,000 at 1% interest, 20-year term
• Grants up to $10,000 for homeowners age 62+
• Property must be in USDA-eligible rural area
• Covers repairs, modernization, health/safety hazards
• Ohio office: 614-255-2400 (Columbus)

How to Apply

Deadline: Ongoing