USDA Section 504 Home Repair Loan & Grant

About This Program

USDA program providing low-interest loans up to $40,000 and grants up to $10,000 for very low-income homeowners age 62+ in eligible rural areas to repair, improve, or modernize their homes. Grant funds must be used to remove health and safety hazards.

Combined loan and grant; seniors 62+ may qualify for full $10,000 grant portion

Key Details

• Loan up to $40,000 at 1% interest for 20 years
• Grant up to $10,000 for seniors 62+ (health/safety only)
• Very low income required (50% AMI or below)
• Must be in eligible rural area
• Covers major repairs, accessibility, health hazards

How to Apply

A grant-savvy contractor in Muskogee, OK can handle the paperwork, inspections, and timelines so your funding releases on schedule. Getting matched is free.

Deadline: Year-round applications