USDA Section 504 Home Repair Loan & Grant

USDA Rural Development

Available Home Repair

About This Program

USDA program providing loans and grants to very-low-income homeowners in eligible rural areas to repair, improve, or modernize their homes. Seniors 62+ may qualify for grants up to $10,000 to remove health and safety hazards. Huntersville areas near the rural fringe may qualify.

Grant for seniors 62+; loan for others, both based on income and need

Key Details

  • Loans up to $40,000 for home repair
  • Grants up to $10,000 for seniors 62+ only
  • Very low income required (50% AMI or below)
  • Must be in eligible rural or rural-adjacent area
  • Covers health and safety hazards

How to Apply

Get free help applying Visit Official Program Page Track this program

(919) 873-2075

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Deadline: Year-round, subject to funding availability

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