USDA Section 504 Home Repair Loan

USDA Rural Development

Available Home Repair

About This Program

USDA provides loans up to $40,000 at 1% fixed interest for very low-income homeowners in eligible rural areas to repair, improve, or modernize homes. Loan term up to 20 years. Johnson County rural areas may qualify; contact USDA to verify address eligibility.

Loan up to $40,000 at 1% fixed interest rate, 20-year repayment term available

Key Details

  • Loan up to $40,000 at only 1% interest
  • Very low income required (50% AMI or below)
  • Must be in eligible rural area (verify with USDA)
  • Up to 20-year repayment term
  • Can be combined with $10,000 grant for seniors 62+

How to Apply

Get free help applying Visit Official Program Page Track this program

(319) 364-0896

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Deadline: Applications accepted year-round

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