USDA Section 504 Home Repair Program

USDA Rural Development

Available Home Repair

About This Program

USDA program for very low-income rural homeowners to repair, improve, or modernize their homes. Loans at 1% interest for 20 years; grants up to $10,000 for seniors (62+) to remove health and safety hazards. Scotland County qualifies as rural.

Grant portion available to seniors 62+ for health/safety hazards; loans at 1% for others

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

Key Details

  • Loans up to $40,000 at 1% interest for 20 years
  • Grants up to $10,000 for seniors 62+ to remove hazards
  • Very low-income rural homeowners only
  • Scotland County qualifies as rural area
  • Covers major repairs and accessibility modifications

How to Apply

A grant-savvy contractor in Laurinburg, NC 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 Laurinburg 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?

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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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