USDA Section 504 Home Repair Loan

USDA Rural Development

Available Home Repair

About This Program

Very low-interest loan (1%) for very low-income rural homeowners to repair, improve, or modernize their homes. Loans up to 20 years with no prepayment penalty. May be combined with Section 504 grants for seniors.

1% interest loan with up to 20-year repayment term for eligible repairs

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

Key Details

  • Low-interest loan (1%) up to $40,000
  • Very low income required (under 50% AMI)
  • Must be in rural area of Hill County
  • Terms up to 20 years with no prepayment penalty
  • Can combine with Section 504 grant if age 62+

How to Apply

A grant-savvy contractor in Havre, 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 Havre 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: Applications accepted year-round

Questions about this program?

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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.

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