USDA Section 504 Home Repair Loan & Grant

USDA Rural Development

Available Home Repair

About This Program

Provides loans and grants to very-low-income rural homeowners to repair, improve, or modernize their homes, or remove health and safety hazards. Seniors 62+ may qualify for grant funds up to $10,000.

Combination of 1% loan and grant for seniors 62+

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

Key Details

  • Loans up to $27,500 at 1% interest for 20 years
  • Grants up to $10,000 for seniors 62+ (income under 50% AMI)
  • Must be in rural area and unable to obtain credit elsewhere
  • Covers repairs that remove health/safety hazards
  • Home must be owner-occupied

How to Apply

A grant-savvy contractor in Hamilton, MT 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 Hamilton 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: Rolling applications, contact local USDA office

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.

Find More Programs in Hamilton, MT

This is just one of many grants, rebates, and free programs available. Stack them together to maximize your savings.

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