USDA Section 504 Home Repair Loan

USDA Rural Development

Available Home Repair

About This Program

Very low-interest loans (1%) for very low-income homeowners in rural areas to repair, improve, or modernize their homes. Loans can be used to make homes safer and more sanitary or to remove health and safety hazards.

1% fixed interest rate loan, 20-year term, typical award $20,000

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

Key Details

  • 1% interest loans up to $40,000
  • Very low-income rural homeowners
  • Must be unable to obtain affordable credit elsewhere
  • 20-year repayment term
  • Covers repairs to make home safe and sanitary

How to Apply

A grant-savvy contractor in Livingston, MT 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 Livingston 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?

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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