USDA Section 504 Home Repair Program

About This Program

USDA program providing low-interest loans up to $40,000 and grants up to $10,000 (for seniors 62+) to very low-income rural homeowners to repair, improve, or modernize their homes or remove health and safety hazards. Lake City qualifies as a rural area.

Grant portion available for seniors 62+; otherwise low-interest loan at 1%

Key Details

• Grants up to $10,000 for seniors 62+ (no repayment)
• Loans up to $40,000 at 1% interest for others
• Income at or below 50% AMI required
• Must be in rural area and own/occupy home
• For health, safety, or accessibility repairs

How to Apply

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

Deadline: Rolling applications, subject to funding availability