USDA Section 504 Home Repair Loan

USDA Rural Development

Available Home Repair

About This Program

Low-interest loans (1%) for low-income homeowners in eligible rural areas to repair, improve, or modernize homes. Can be combined with Section 504 grant. Repayment term up to 20 years.

1% fixed-rate loan repaid over up to 20 years

Key Details

  • Loan up to $40,000 at 1% interest
  • Income at or below 80% AMI
  • Must be in eligible rural area
  • 20-year repayment term available
  • Can combine with $10,000 grant if age 62+

How to Apply

Get free help applying Visit Official Program Page Track this program

(317) 290-3100

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Deadline: Rolling applications year-round

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