USDA Section 504 Home Repair Loan & Grant

USDA Rural Development

Available Home Repair

About This Program

Federal program providing loans and grants to very-low-income homeowners in eligible rural areas to repair, improve, or modernize their homes or remove health and safety hazards. Seniors age 62+ may qualify for grant assistance up to $10,000.

Combines low-interest loan (up to $40k) with possible grant (up to $10k for seniors)

Key Details

  • Up to $40,000 loan at 1% interest
  • Additional $10,000 grant for seniors 62+
  • Income at or below 50% AMI required
  • Must be in eligible rural area
  • Removes health/safety hazards

How to Apply

Deadline: Ongoing program, subject to funding

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Grant-approved contractors understand the documentation, inspections, and timelines, so your funding releases on schedule.

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