USDA Section 504 Home Repair Loan & Grant

USDA Rural Development

Available Senior & Disability

About This Program

USDA program providing low-interest loans up to $40,000 and grants up to $10,000 for very low-income homeowners age 62+ in eligible rural areas to repair, improve, or modernize homes. Limited availability in Edison; confirm rural eligibility.

Grant for seniors 62+ unable to repay loan; loan for others

Key Details

  • Loan up to $40,000 at 1% interest
  • Grant up to $10,000 for seniors 62+
  • Very low income required (50% AMI)
  • Must be in USDA-eligible rural area
  • For health/safety repairs and accessibility

How to Apply

Get free help applying Visit Official Program Page Track this program

(732) 537-6046

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

Deadline: Rolling applications, limited rural-eligible areas

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