USDA Section 504 Home Repair Loan & Grant

About This Program

Federal program providing very low-interest loans up to $27,500 and grants up to $10,000 (age 62+, very low income) for repairs in eligible rural areas. Irvington generally does not qualify as rural, but outlying Essex County areas may be eligible.

Grant available only to seniors 62+ with very low income; otherwise loan

Key Details

• Loan up to $27,500 at 1% interest
• Grant up to $10,000 for seniors 62+
• Very low income required
• Must be in USDA-eligible rural area
• Most of Irvington is not eligible; check address

How to Apply

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

Deadline: Rolling applications year-round