USDA Section 504 Home Repair Loan & Grant

USDA Rural Development

Available Senior & Disability

About This Program

USDA program providing low-interest loans (1% rate) up to $27,500 and/or grants up to $10,000 for very-low-income homeowners age 62+ in eligible rural areas. Repairs must remove health and safety hazards. Grant portion does not require repayment.

Combined loan and grant; seniors 62+ may qualify for grant portion

Data last verified 2026-06-09. How we verify our data.

Key Details

  • 1% interest loan up to $27,500
  • Grant up to $10,000 for seniors 62+
  • Income at or below 50% AMI
  • Must be in USDA-eligible rural area (check eligibility)
  • Covers health/safety hazards and accessibility

How to Apply

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

You will likely need a contractor to apply

Projects like this almost always need a licensed contractor, and many grants ask for a written estimate as part of your application. Lining up a contractor in Fountain Hills early keeps your application moving.

Get matched with a contractor

Each program sets its own contractor rules. Check the official program page for exact requirements.

Deadline: Year-round applications subject to funding

Questions about this program?

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Need a Contractor for This Grant?

Grant-approved contractors understand the documentation, inspections, and timelines, so your funding releases on schedule.

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