USDA Section 504 Home Repair Loan & Grant

USDA Rural Development

Available Home Repair

About This Program

Low-interest loans and grants to very low-income homeowners in eligible rural areas (population under 35,000) to repair, improve, or modernize homes or remove health and safety hazards. Grants available to seniors age 62+ who cannot repay a loan.

Loan at 1% interest up to $27,500; grant up to $10,000 for seniors 62+ who cannot repay

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

Key Details

  • Low-interest loans (1%) for home repairs in eligible rural areas
  • Grants up to $10,000 for seniors 62+ who cannot repay loan
  • Income at or below 50% AMI required
  • Covers health/safety hazards, accessibility, major repairs
  • Must be in USDA-eligible rural area

How to Apply

A grant-savvy contractor in Magna, UT 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 Magna 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?

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.

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