USDA Section 504 Home Repair Loan & Grant

USDA Rural Development

Available Home Repair

About This Program

Low-interest loans up to $40,000 and grants up to $10,000 (seniors 62+ only) for home repairs in eligible rural areas. Lake Stevens may qualify in certain census tracts. Loans at 1% interest for up to 20 years.

Combined loan and grant assistance; seniors 62+ can receive both

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

Key Details

  • 1% interest loans up to $40,000
  • Grants up to $10,000 for seniors 62+
  • Very low income requirement (50% AMI)
  • Owner-occupied homes in eligible rural areas
  • Removes health and safety hazards

How to Apply

A grant-savvy contractor in Lake Stevens, WA 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 Lake Stevens 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: Rolling applications

Questions about this program?

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

Email us about this program

Need a Contractor for This Grant?

Grant-approved contractors understand the documentation, inspections, and timelines, so your funding releases on schedule.

Find More Programs in Lake Stevens, WA

This is just one of many grants, rebates, and free programs available. Stack them together to maximize your savings.

See All Programs