USDA Section 504 Home Repair Loan and Grant

USDA Rural Development

Available Senior & Disability

About This Program

Provides loans and grants to very-low-income homeowners in eligible rural areas to repair, improve, or modernize their homes. Grants up to $7,500 available for seniors age 62+ to remove health and safety hazards. Garden City may not qualify as rural; verify eligibility.

Grant up to $7,500 for seniors, loan up to $40,000 at 1% interest

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

Key Details

  • Grant up to $7,500 for seniors age 62+
  • Loan up to $40,000 at 1% interest
  • Very low income required (50% AMI)
  • Must be in eligible rural area
  • Contact Michigan USDA office to verify eligibility

How to Apply

A grant-savvy contractor in Garden City, MI 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 Garden City 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: Ongoing, 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.

Find More Programs in Garden City, MI

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