USDA Section 504 Home Repair Loans & Grants

USDA Rural Development

Available Home Repair

About This Program

Federal program providing low-interest loans and grants to very low-income homeowners in eligible rural areas to repair, improve, or modernize their homes. Grants available only to seniors (62+) unable to repay a loan. Milton qualifies as an eligible rural area.

Estimate based on combination of grant (seniors 62+ only) and low-interest loan

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

Key Details

  • Low-interest loans up to $40,000 (1% interest)
  • Grants up to $10,000 for seniors 62+ unable to repay loan
  • Income must be very low (50% AMI or below)
  • Must be in eligible rural area (Milton qualifies)
  • Covers health/safety repairs and accessibility

How to Apply

A grant-savvy contractor in Milton, 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 Milton 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?

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 Milton, FL

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