USDA Section 504 Home Repair Loan

USDA Rural Development

Available Home Repair

About This Program

Low-interest loans to very-low-income homeowners in eligible rural areas to repair, improve, or modernize homes. Irmo qualifies as an eligible rural area under USDA guidelines. Maximum 20-year repayment term at 1% fixed interest.

Low-interest loan at 1% APR, 20-year term for qualifying repairs

Key Details

  • Loans up to $40,000 at 1% fixed interest
  • Income at or below 50% AMI required
  • Must be in eligible rural area (Irmo qualifies)
  • 20-year maximum repayment term
  • Covers repairs, improvements, modernization

How to Apply

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

Deadline: Rolling applications

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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