USDA Section 504 Home Repair Loan & Grant

USDA Rural Development

Available Home Repair

About This Program

Federal program providing low-interest loans (up to $27,500 at 1% for 20 years) and grants (up to $10,000 for seniors 62+) to very low-income homeowners in eligible rural areas to repair, improve, or modernize their homes. Gladstone eligibility may vary by property location.

Grant available for seniors 62+; loan available to very low-income homeowners

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

Key Details

  • Grants up to $10,000 for seniors 62+ at very low income
  • Loans up to $27,500 at 1% interest for 20 years
  • Must be very low income (50% AMI or below)
  • For health and safety repairs or accessibility
  • Check USDA eligibility map for Gladstone properties

How to Apply

A grant-savvy contractor in Gladstone, MO 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 Gladstone 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

Questions about this program?

Ask us. It is free, and a real person answers within a business day.

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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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