USDA Section 504 Home Repair Loan & Grant

About This Program

Grants up to $10,000 for homeowners age 62+ (very low income, under 50% AMI) to remove health and safety hazards. Loans up to $40,000 at 1% interest for homeowners of any age (very low income). Combined max $50,000 ($55K in disaster areas). IMPORTANT: Most of Kansas City proper is NOT in a USDA-eligible rural area — but some surrounding communities (Independence, Raytown outskirts, rural Jackson/Platte/Clay areas) may qualify. Always verify your address on the USDA eligibility map.

Age 62+ for grant / any age for loan — USDA rural area ONLY — verify map

Key Details

• Grant: up to $10,000 — age 62+, very low income only
• Loan: up to $40,000 at 1% — any age, very low income
• CRITICAL: Verify your address on USDA eligibility map
• Most of KCMO city proper is NOT eligible — check suburbs
• Contact MO Rural Development: 573-876-0990

How to Apply

Deadline: Year-round while funded — check USDA eligibility map first