USDA Section 504 Home Repair Loan & Grant

About This Program

USDA program providing low-interest loans and grants to very-low-income rural homeowners to repair, improve, or modernize their homes. Seniors age 62+ may qualify for grants up to $10,000 to remove health and safety hazards. Guthrie qualifies as rural under USDA definitions.

1% interest loan up to $40,000; seniors 62+ may receive up to $10,000 grant

Key Details

• Loan up to $40,000 at 1% interest
• Seniors 62+ may qualify for $10,000 grant component
• Income at or below 50% AMI required
• Must be in USDA-eligible rural area (Guthrie qualifies)
• Covers repairs, accessibility, health/safety hazards

How to Apply

A grant-savvy contractor in Guthrie, OK can handle the paperwork, inspections, and timelines so your funding releases on schedule. Getting matched is free.

Deadline: Applications accepted year-round; funding subject to availability