USDA Section 504 Home Repair Loans & Grants

USDA Rural Development

Open Home Repair

About This Program

Loans up to $40,000 at 1% interest over 20 years for very-low-income homeowners to repair and modernize homes. Grants up to $10,000 for homeowners age 62+ to remove health and safety hazards. Kentucky is in a federal pilot program expanding eligibility.

Loans at 1% for 20 years; grants for 62+ only; rural areas preferred

Key Details

  • Loans up to $40,000 at 1% interest for 20 years
  • Grants up to $10,000 for homeowners age 62+
  • Must be very-low-income and unable to obtain credit elsewhere
  • Kentucky selected for expanded pilot program (Dec 2024)
  • Check USDA eligibility map for qualifying rural areas

How to Apply

Visit Official Program Page Track this program

800-414-1226

Deadline: Ongoing, Kentucky in pilot program

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