USDA Section 504 Home Repair Loan & Grant

USDA Rural Development

Available Senior & Disability

About This Program

USDA provides low-interest loans (1% rate, 20-year term) up to $40,000 and grants up to $10,000 (for seniors 62+) to very low-income homeowners in eligible rural areas to repair, improve, or modernize homes or remove health and safety hazards.

Grant for seniors 62+, otherwise low-interest loan

Key Details

  • Grant up to $27,500 for seniors 62+, very low income
  • Loan up to $40,000 at 1% interest, 20-year term
  • Must be in eligible rural area near Kannapolis
  • Income at or below 50% AMI required
  • Repairs must remove health/safety hazards

How to Apply

Get free help applying Visit Official Program Page Track this program

(919) 873-2017

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

Deadline: Rolling applications year-round

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