USDA Section 504 Home Repair Loan & Grant

USDA Rural Development

Available Home Repair

About This Program

Federal program providing low-interest 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 for seniors 62+ unable to repay a loan.

Loan amount based on need and repayment ability; grants for seniors 62+

Key Details

  • Loans up to $40,000 at 1% interest
  • Grants up to $10,000 for seniors 62+ (no repayment)
  • Income at or below 50% AMI required
  • Must be in USDA-eligible rural area
  • Covers repairs to make home safe and sanitary

How to Apply

Get free help applying Visit Official Program Page Track this program

(410) 480-4705

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Deadline: Year-round applications

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