USDA Section 504 Home Repair Program

USDA Rural Development

Available Home Repair

About This Program

Federal program providing low-interest loans and grants to very-low-income rural homeowners to repair or improve their homes, or to remove health and safety hazards. Seniors 62+ may qualify for grants up to $10,000; others receive 1% loans up to $40,000.

Seniors 62+ receive grant; others receive 1% interest loan repaid over 20 years

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

Key Details

  • Loans up to $40,000 at 1% interest for 20 years
  • Grants up to $10,000 for seniors 62 and older
  • Very low income required (50% AMI or below)
  • Must be in rural area (Hermiston qualifies)
  • Covers health/safety repairs and accessibility modifications

How to Apply

A grant-savvy contractor in Hermiston, OR 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 Hermiston 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; subject to funding availability

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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