USDA Section 504 Home Repair Loan

USDA Rural Development

Available Home Repair

About This Program

Low-interest loans for very-low-income homeowners in rural areas to repair, improve, or modernize their homes or remove health and safety hazards. Middleton qualifies as a rural community. Interest rate of 1% for up to 20 years.

1% interest loan repaid over up to 20 years

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

Key Details

  • Loans up to $40,000 at 1% interest
  • Income at or below 50% AMI required
  • Owner-occupied homes in rural areas
  • Up to 20-year repayment term
  • For health, safety, and accessibility repairs

How to Apply

A grant-savvy contractor in Middleton, ID 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 Middleton 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: Rolling applications

Questions about this program?

Ask us. It is free, and a real person answers within a business day.

Email us about this program

Need a Contractor for This Grant?

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

Find More Programs in Middleton, ID

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