USDA Section 504 Home Repair Program

USDA Rural Development

Available Home Repair

About This Program

USDA program providing loans and grants to very low-income homeowners in eligible rural areas to repair, improve, or modernize homes, or to remove health and safety hazards. Grants available to homeowners 62+ who cannot repay a loan.

Combines low-interest loan with grant component for seniors; amount based on income and need

Key Details

  • Loan up to $40,000 at 1% interest, 20-year term
  • Grant up to $10,000 for homeowners 62+ (no repayment)
  • Income at or below 50% AMI required
  • Must be in USDA-eligible rural area
  • Covers repairs, accessibility, health hazards

How to Apply

Get free help applying Visit Official Program Page Track this program

(334) 502-1935

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

Deadline: Year-round applications, subject to fund availability

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