USDA Section 504 Home Repair Program

USDA Rural Development

Available Home Repair

About This Program

USDA program providing low-interest loans up to $27,500 and grants up to $10,000 (for seniors 62+) to very low-income rural homeowners to repair, improve, or modernize their homes or remove health and safety hazards. Murray qualifies as rural-eligible.

Seniors 62+ may receive grant funds up to $10,000; others qualify for 1% interest loans

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

Key Details

  • Grants up to $10,000 for seniors 62+
  • Loans up to $27,500 at 1% interest
  • Income must be very low (50% AMI or below)
  • Must be unable to obtain affordable credit elsewhere
  • Repairs must remove health/safety hazards

How to Apply

A grant-savvy contractor in Murray, KY 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 Murray 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 year-round

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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