USDA Section 504 Home Repair Loan & Grant

USDA Rural Development

Available Senior & Disability

About This Program

Federal program offering loans up to $40,000 and grants up to $10,000 for very low-income homeowners to repair, improve, or modernize their homes. Grants available only to seniors (62+) for accessibility and health/safety hazards. While Marco Island is not designated rural, portions of Collier County may qualify.

Grant portion available to seniors 62+ for accessibility improvements

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

Key Details

  • Grant up to $27,500 for seniors 62+
  • Loan up to $40,000 at 1% interest
  • Very low income required (50% AMI)
  • Remove health and safety hazards
  • Accessibility modifications for disabilities

How to Apply

A grant-savvy contractor in Marco Island, FL 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 Marco Island 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: Ongoing, contact local USDA office

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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