USDA Section 504 Home Repair Grants and Loans

USDA Rural Development

Available Senior & Disability

About This Program

Provides grants up to $10,000 for seniors 62+ and loans up to $20,000 (1% interest, 20 years) to very-low-income homeowners in eligible rural areas to repair, improve, or modernize homes or remove health and safety hazards.

Grant available for seniors 62+; loan available for all very-low-income applicants

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

Key Details

  • Grant up to $7,500 for seniors 62+
  • Loan up to $20,000 at 1% interest for very-low-income
  • Must be in eligible rural area
  • Income at or below 50% AMI
  • Covers health/safety hazards and accessibility

How to Apply

A grant-savvy contractor in Lockport, IL 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 Lockport 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: Applications accepted year-round, subject to funding

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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