USDA Section 504 Home Repair Program

About This Program

Federal program providing low-interest loans and grants to very low-income rural homeowners for home repairs. Seniors age 62+ may qualify for grants up to $10,000 to remove health and safety hazards. Loan portion available up to $40,000 at 1% interest for 20 years.

Combination of grant (seniors 62+) and low-interest loan based on income and repair needs

Key Details

• Up to $40,000 loan at 1% interest + $10,000 grant
• Very low income required (50% AMI or below)
• Seniors 62+ eligible for grant portion
• May apply to some Lockport households if rural-eligible
• Covers health, safety, and accessibility repairs

How to Apply

A grant-savvy contractor in Lockport, NY can handle the paperwork, inspections, and timelines so your funding releases on schedule. Getting matched is free.

Deadline: Year-round applications, subject to funding