USDA Section 504 Home Repair Loan & Grant

U.S. Department of Agriculture Rural Development

Available Home Repair

About This Program

USDA program providing low-interest loans and grants to very-low-income homeowners in eligible rural areas to repair, improve, or modernize homes or remove health and safety hazards. Grants available to seniors 62+ who cannot afford loan repayment.

Combined typical loan and grant for qualifying senior homeowner

Key Details

  • Loans up to $40,000 at 1% interest
  • Grants up to $10,000 for seniors 62+
  • Income at or below 50% AMI required
  • Must be in USDA-eligible area (limited in Nassau)
  • Covers repairs and health/safety hazards

How to Apply

Get free help applying Visit Official Program Page Track this program

(315) 477-6400

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

Deadline: Rolling applications subject to funding

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