USDA Section 504 Home Repair Loan & Grant

USDA Rural Development

Available Home Repair

About This Program

USDA program providing low-interest loans up to $27,500 and grants up to $10,000 for very low-income homeowners in eligible rural areas to repair, improve, or modernize their homes. Grants available only to homeowners age 62+ who cannot afford loan repayment.

Grant component for seniors 62+; loan at 1% interest for up to 20 years

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

Key Details

  • Loan up to $27,500 at 1% interest for repairs
  • Grant up to $10,000 for seniors 62+ who qualify
  • Must be very low income in eligible rural area
  • Covers repairs, accessibility modifications, health hazards
  • Contact local USDA office to verify rural eligibility

How to Apply

A grant-savvy contractor in LaPlace, LA 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 LaPlace 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 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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