USDA Section 504 Home Repair Loan & Grant

USDA Rural Development

Available Home Repair

About This Program

Low-interest loans and grants to very low-income homeowners in eligible rural areas to repair, improve, or modernize their homes or remove health and safety hazards. Seniors 62+ may qualify for grants.

Combination loan and grant based on income and age

Key Details

  • Loans up to $40,000, grants up to $10,000
  • Seniors 62+ eligible for grant portion
  • Very low-income requirement (50% AMI)
  • Must be in eligible rural area
  • Owner-occupied homes only

How to Apply

Deadline: Year-round applications

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

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