USDA Section 504 Home Repair Loan & Grant

USDA Rural Development

Available Senior & Disability

About This Program

Low-interest loans and grants for very low-income homeowners to repair, improve, or modernize homes in eligible rural areas. Seniors (62+) may qualify for grants up to $10,000 for accessibility improvements. 1% interest loan up to $27,500 repaid over 20 years.

Combination of grant (if 62+) and low-interest loan; estimate assumes senior grant plus loan

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

Key Details

  • Up to $10,000 grant for seniors 62+
  • Plus up to $27,500 loan at 1% interest
  • Income at or below 50% AMI
  • Must be in eligible rural area
  • Covers health, safety, and accessibility repairs

How to Apply

A grant-savvy contractor in Moorestown, NJ 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 Moorestown 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: Ongoing, subject to annual funding availability

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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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