USDA Section 504 Home Repair Loan & Grant

USDA Rural Development

Available Home Repair

About This Program

Very low-interest loans (1%) and grants for very-low-income homeowners in eligible rural areas to repair, improve, or modernize homes or remove health and safety hazards. Grant component available only to seniors (62+) who cannot afford a loan.

Combined loan and grant for seniors, loan only for others under 62

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

Key Details

  • 1% interest loans up to $27,500
  • Grants up to $10,000 for seniors 62+
  • Very low income required (50% AMI)
  • Must be in designated rural area
  • Repairs health/safety hazards and accessibility

How to Apply

A grant-savvy contractor in Mint Hill, NC 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 Mint Hill 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, subject to funding

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.

Find More Programs in Mint Hill, NC

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