USDA Section 504 Home Repair Loan

USDA Rural Development

Available Home Repair

About This Program

USDA provides low-interest loans up to $40,000 for very low-income rural homeowners to repair, improve, or modernize their homes. Kemmerer qualifies as a rural area. Interest rate as low as 1%, with 20-year repayment term.

Loan at 1% interest over 20 years, approximately $184/month per $40k

Data last verified 2026-06-09. How we verify our data.

Key Details

  • Low-interest loan (1%) for home repairs
  • Up to $40,000, 20-year repayment
  • For very low-income rural homeowners
  • Kemmerer qualifies as rural area
  • Must be owner-occupied and unable to obtain credit elsewhere

How to Apply

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

You will likely need a contractor to apply

Projects like this almost always need a licensed contractor, and many grants ask for a written estimate as part of your application. Lining up a contractor in Kemmerer early keeps your application moving.

Get matched with a contractor

Each program sets its own contractor rules. Check the official program page for exact requirements.

Deadline: Applications accepted year-round

Questions about this program?

Ask us. It is free, and a real person answers within a business day.

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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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