USDA Section 504 Home Repair Loan & Grant

USDA Rural Development

Available Senior & Disability

About This Program

Federal program providing low-interest loans (1% fixed) up to $40,000 and grants up to $10,000 for very low-income homeowners age 62+ to remove health and safety hazards. Grant available only to seniors unable to repay a loan. May qualify in designated rural areas of Monroe County.

Combined loan and grant assistance based on income and ability to repay

Key Details

  • Loan up to $40,000 at 1% interest, 20-year term
  • Grant up to $10,000 for seniors age 62+ unable to repay loan
  • Very low income required (50% AMI or below)
  • Must be in USDA-designated rural area
  • Removes health and safety hazards

How to Apply

Get free help applying Visit Official Program Page Track this program

(352) 338-3402

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Deadline: Applications accepted year-round

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