USDA Section 504 Home Repair Loan & Grant

USDA Rural Development

Available Home Repair

About This Program

USDA program providing loans up to $40,000 and grants up to $10,000 for very low-income homeowners to repair, improve, or modernize their homes in eligible rural areas. Grants available only to seniors 62+ who cannot repay a loan. Must remove health and safety hazards.

Typical package combines loan and grant; grant portion for seniors 62+ only

Key Details

  • Loan up to $40,000 at 1% interest
  • Grant up to $10,000 for seniors 62+
  • Very low income required (50% AMI or below)
  • Must be in USDA-eligible rural area
  • Covers health and safety hazards

How to Apply

Get free help applying Visit Official Program Page Track this program

(352) 338-3402

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

Deadline: Ongoing, contact local USDA office

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