USDA Section 504 Home Repair Loan

USDA Rural Development

Available Senior & Disability

About This Program

Low-interest loan for very low-income homeowners age 62+ to repair, improve, or modernize their homes. Loans at 1% interest for up to 20 years. Must be in eligible rural area and unable to obtain affordable credit elsewhere.

1% interest loan repaid over up to 20 years

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

Key Details

  • Low-interest loan up to $40,000 at 1% APR
  • For homeowners age 62 or older
  • Very low income required (≤50% AMI)
  • Up to 20-year repayment term
  • Must be in eligible rural area

How to Apply

A grant-savvy contractor in Marana, AZ 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 Marana 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

Questions about this program?

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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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