USDA Section 504 Home Repair Loan & Grant

USDA Rural Development

Available Home Repair

About This Program

USDA program for very low-income rural homeowners to repair, improve, or modernize homes. Loans up to $40,000 at 1% interest for 20 years. Grants up to $10,000 for homeowners 62+ unable to repay loan, primarily for health and safety hazards.

Combination of low-interest loan and grant for seniors based on ability to repay

Key Details

  • Loans up to $40,000 at 1% interest
  • Grants up to $10,000 for seniors 62+
  • Income at or below 50% AMI required
  • Must be in eligible rural area
  • Covers health, safety, and accessibility

How to Apply

Get free help applying Visit Official Program Page Track this program

(575) 521-2870

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

Deadline: Ongoing, subject to funding availability

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