USDA Section 504 Home Repair Loan

USDA Rural Development

Available Home Repair

About This Program

Low-interest loans for very low-income homeowners in eligible rural areas to repair, improve, or modernize their homes. Loans are at 1% fixed interest for up to 20 years. Grants up to $10,000 available for homeowners 62+ who cannot repay a loan.

1% interest loan for repairs; typical 10-year loan at $40,000 principal

Key Details

  • Loan up to $40,000 at 1% fixed interest
  • For very low-income homeowners (50% AMI)
  • Up to $10,000 grant for seniors 62+ unable to repay
  • Must be in USDA-eligible rural area
  • Covers repairs, accessibility, health/safety hazards

How to Apply

Get free help applying Visit Official Program Page Track this program

(503) 414-3300

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Deadline: Applications accepted year-round

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