USDA Section 504 Home Repair Loan & Grant

About This Program

Low-interest loans and grants to very-low-income homeowners in eligible rural areas to repair, improve, or modernize their homes. Seniors age 62+ may qualify for grants up to $10,000. Loans at 1% interest for up to 20 years. Note: Lodi may not meet USDA rural designation; contact USDA to confirm eligibility.

Estimate includes grant portion for senior applicants; loan requires repayment at 1% interest

Key Details

• Loans up to $27,500 at 1% interest for 20 years
• Grants up to $10,000 for seniors age 62+
• Very low income required (50% AMI or below)
• May not be available in Lodi proper; check USDA eligibility
• Covers repairs, accessibility modifications, health/safety hazards

How to Apply

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

Deadline: Applications accepted year-round