USDA Section 504 Home Repair Program

USDA Rural Development

Available Home Repair

About This Program

Low-interest loans and grants for very-low-income homeowners in rural areas to repair, improve, or modernize homes or remove health and safety hazards. Grants available to those 62+ who cannot repay a loan. Serves eligible rural areas outside Ithaca city limits.

Loan at 1% interest or grant if 62+ and unable to repay

Key Details

  • Loans up to $40,000 at 1% interest
  • Grants up to $10,000 for seniors 62+ unable to repay
  • Very low income required (50% AMI or below)
  • Must be in eligible rural area of Tompkins County
  • Repairs must remove health/safety hazards

How to Apply

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

Deadline: Year-round, subject to funding availability

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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