USDA Section 504 Home Repair Program

U.S. Department of Agriculture Rural Development

Available Home Repair

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 $10,000 available to homeowners 62+ who cannot repay a loan. Loans up to $40,000 at 1% interest for up to 20 years.

Estimate assumes combination of grant and low-interest loan for eligible senior

Key Details

  • Loans up to $40,000 at 1% interest for 20 years
  • Grants up to $10,000 for homeowners 62+
  • Income at or below 50% AMI
  • Must be in eligible rural area (check with USDA)
  • Covers repairs to make home safe and accessible

How to Apply

Get free help applying Visit Official Program Page Track this program

(800) 670-6553

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Deadline: Applications accepted year-round

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