USDA Section 504 Home Repair Loans & Grants

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, improve, or modernize their homes. Grants available only to seniors (62+) unable to repay a loan for accessibility or health/safety hazards.

Loan at 1% interest or grant for seniors unable to repay loan

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+ unable to repay
  • For very low-income homeowners in eligible rural areas
  • Covers repairs, accessibility, health/safety hazards
  • Check with USDA for Muskegon area eligibility

How to Apply

A grant-savvy contractor in Muskegon, MI 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 Muskegon 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.

Find More Programs in Muskegon, MI

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