USDA Section 504 Home Repair Loan & Grant

USDA Rural Development

Available Home Repair

About This Program

Federal program offering loans and grants to very low-income rural homeowners to repair, improve, or modernize their homes, with grants available for seniors age 62+ to remove health and safety hazards.

Combined loan and grant potential for eligible applicants

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

Key Details

  • Loans up to $40,000 at 1% interest
  • Grants up to $10,000 for seniors 62+
  • For very low-income rural homeowners
  • Removes health and safety hazards
  • May qualify for both loan and grant

How to Apply

A grant-savvy contractor in Narragansett, RI 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 Narragansett 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

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 Narragansett, RI

This is just one of many grants, rebates, and free programs available. Stack them together to maximize your savings.

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