USDA Section 504 Home Repair Grants & Loans

USDA Rural Development

Available Home Repair

About This Program

Federal program providing low-interest loans and grants to very-low-income rural homeowners for repairs, improvements, or modernization. Seniors 62+ may qualify for grant funds up to $10,000 to remove health and safety hazards.

Combination of 1% loan plus grant for seniors removing hazards

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

Key Details

  • Loans up to $27,500 at 1% interest
  • Grants up to $10,000 for seniors 62+
  • Income at or below 50% AMI
  • Must be in USDA-eligible rural area
  • Repairs, accessibility, hazard removal

How to Apply

A grant-savvy contractor in Madison, IN 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 Madison 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; contact local office

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.

Find More Programs in Madison, IN

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