USDA Section 504 Home Repair Program

About This Program

USDA program offering low-interest loans and grants to very-low-income homeowners in eligible rural areas to repair or improve their homes. Seniors age 62+ may qualify for grants up to $10,000 to remove health and safety hazards.

Low-interest loan (1% rate) or grant for seniors 62+; grant does not require repayment

Key Details

• Loans up to $40,000 at 1% interest
• Grants up to $10,000 for seniors 62+
• Must be in eligible rural area outside city limits
• Very low income required (50% AMI or below)
• Covers health/safety repairs and accessibility

How to Apply

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

Deadline: Rolling applications, subject to funding