USDA Section 504 Home Repair Loan

USDA Rural Development

Available Home Repair

About This Program

Low-interest loan program for very-low-income homeowners in rural areas to repair, improve, or modernize their homes. Loans at 1% interest for up to 20 years. Must be unable to obtain affordable credit elsewhere.

Loan at 1% fixed interest over 20 years; monthly payment approximately $184 per $40,000

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

Key Details

  • Loan up to $40,000 at 1% fixed interest
  • Very low income (50% AMI) required
  • 20-year repayment term available
  • Must be in USDA-eligible rural area
  • Unable to obtain affordable credit elsewhere

How to Apply

A grant-savvy contractor in Lindbergh, 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 Lindbergh 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, funds replenish annually

Questions about this program?

Ask us. It is free, and a real person answers within a business day.

Email us about this program

Need a Contractor for This Grant?

Grant-approved contractors understand the documentation, inspections, and timelines, so your funding releases on schedule.

Find More Programs in Lindbergh, LA

This is just one of many grants, rebates, and free programs available. Stack them together to maximize your savings.

See All Programs