USDA Section 504 Home Repair Loan & Grant

U.S. Department of Agriculture Rural Development

Available Home Repair

About This Program

Low-interest loans and grants for very-low-income homeowners in eligible rural areas to repair, improve, or modernize homes or remove health and safety hazards. Seniors 62+ may qualify for grants up to $10,000. Mount Laurel may have limited eligible areas.

Grant amount available to seniors age 62+ for health and safety repairs

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

Key Details

  • Loans up to $40,000 at 1% interest for 20 years
  • Grants up to $10,000 for seniors 62+ (no repayment)
  • Very-low-income requirement (50% AMI or below)
  • Must be in eligible rural area
  • Owner-occupied primary residence only

How to Apply

A grant-savvy contractor in Mount Laurel, 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 Mount Laurel 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?

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

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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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