USDA Section 504 Home Repair Loan & Grant

USDA Rural Development

Available Home Repair

About This Program

Low-interest loans and grants to very-low-income homeowners in eligible rural areas to repair, improve, or modernize dwellings or remove health and safety hazards. Grants up to $10,000 for seniors age 62+ who cannot repay a loan.

Grant portion for seniors 62+; loan at 1% for 20 years otherwise

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 homeowners age 62+ who can't repay loan
  • Must be in eligible rural area (check with USDA)
  • Income must be very low (50% AMI or below)
  • For health/safety repairs or accessibility modifications

How to Apply

A grant-savvy contractor in Lexington, SC 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 Lexington 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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