USDA Section 504 Home Repair Loan & Grant

USDA Rural Development

Available Senior & Disability

About This Program

Low-interest loans and grants to very-low-income homeowners in eligible rural areas to repair or improve homes, or remove health and safety hazards. Grants up to $10,000 available to homeowners 62+ who cannot repay a loan.

Grant portion available to seniors 62+; loan at 1% interest for up to 20 years

Key Details

  • Loans up to $27,500 at 1% interest, 20-year term
  • Grants up to $10,000 for seniors 62+ who qualify
  • Income at or below 50% Area Median Income
  • Must be in USDA-eligible rural area
  • Removes health/safety hazards, accessibility improvements

How to Apply

Get free help applying Visit Official Program Page Track this program

(208) 378-5600

A grant-savvy contractor in Meridian, ID can handle the paperwork, inspections, and timelines so your funding releases on schedule. Getting matched is free.

Deadline: Rolling basis, subject to annual funding

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