USDA Section 504 Home Repair Loan & Grant

USDA Rural Development

Available Home Repair

About This Program

Low-interest loans and grants for very low-income rural homeowners to repair, improve, or modernize their homes or remove health and safety hazards. Grants up to $10,000 available for seniors 62+ who cannot afford loan repayment.

Combined loan and grant amount based on need and ability to repay

Key Details

  • Loans up to $27,500 at 1% interest
  • Grants up to $10,000 for seniors 62+
  • Very low income (50% AMI) required
  • Must be in eligible rural area
  • Covers health, safety, and accessibility repairs

How to Apply

Get free help applying Visit Official Program Page Track this program

(256) 845-2123

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

Deadline: Rolling; contact local USDA office

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