USDA Section 504 Home Repair Loan & Grant

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 or improve dwellings. Grants available for seniors age 62+ who cannot afford loan repayment.

Grant available for seniors 62+; loan at 1% interest for others

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

Key Details

  • Loans up to $27,500 at 1% interest
  • Grants up to $10,000 for seniors 62+
  • Income at or below 50% AMI required
  • Must be in eligible rural area
  • For health/safety repairs and accessibility

How to Apply

A grant-savvy contractor in Mountlake Terrace, WA 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 Mountlake Terrace 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.

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