USDA Section 504 Home Repair Loan & Grant

About This Program

Provides loans and grants to very low-income homeowners in eligible rural areas to repair, improve, or modernize their homes or remove health and safety hazards. Grants up to $7,500 available for seniors (62+) unable to repay a loan. Must verify property is in USDA-eligible area.

Grant portion (up to $27,500 for seniors) does not require repayment; loan at 1% interest

Key Details

• Grant up to $27,500 for seniors 62+ (very low income)
• Loan up to $40,000 at 1% interest
• Must be in USDA-eligible rural area
• Covers health/safety hazards, accessibility
• Owner-occupied single-family homes only

How to Apply

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

Deadline: Rolling applications, subject to USDA area eligibility