USDA Section 504 Home Repair Program

About This Program

Provides low-interest loans and grants to very low-income homeowners in eligible rural areas near Lakeland to repair or improve their homes. Grants available only to homeowners age 62+ who cannot repay a loan. Must be unable to obtain affordable credit elsewhere.

Loan up to $40,000 at 1% interest, or grant up to $10,000 for seniors 62+

Key Details

• Loan up to $40,000 at 1% interest
• Grant up to $10,000 for seniors 62+
• Very low income required (50% AMI or less)
• Must be in USDA-eligible rural area
• Covers health and safety repairs

How to Apply

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

Deadline: Ongoing, subject to annual funding