USDA Section 504 Home Repair Program

USDA Rural Development

Available Senior & Disability

About This Program

USDA loans and grants for very low-income homeowners in eligible rural areas of Shelby County to repair or improve their homes. Grants up to $10,000 for seniors 62+ to remove health and safety hazards; loans up to $40,000 at 1% interest for 20 years.

Seniors may receive grant up to $10,000; others receive low-interest loan

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

Key Details

  • Grants up to $10,000 for seniors 62+
  • Loans up to $40,000 at 1% interest
  • Very low income required (50% AMI or below)
  • Must be in eligible rural area
  • Repairs must remove health/safety hazards

How to Apply

A grant-savvy contractor in Montevallo, AL 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 Montevallo 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 availability

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.

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