USDA Section 504 Home Repair Loan & Grant

USDA Rural Development

Available Home Repair

About This Program

Provides grants up to $10,000 for very low-income homeowners age 62+ in eligible rural areas to remove health and safety hazards. Also offers loans up to $40,000 at 1% interest for income-qualified homeowners to repair or improve their homes.

Grant portion available for seniors 62+; loans available at 1% interest for other income-qualified applicants

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

Key Details

  • Grants up to $27,500 for seniors 62+ (very low income)
  • Loans up to $40,000 at 1% interest
  • Must be in USDA-eligible rural area
  • Covers health, safety, and accessibility repairs
  • Owner-occupied homes only

How to Apply

A grant-savvy contractor in Independence, 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 Independence 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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