USDA Section 504 Home Repair Loan & Grant

USDA Rural Development

Available Home Repair

About This Program

Federal program providing low-interest loans (1% fixed) up to $40,000 and grants up to $10,000 for seniors 62+ to repair, improve, or modernize homes in eligible rural areas. Grants are for seniors who cannot afford loan repayment.

Combined loan and grant estimate for eligible rural homeowners

Key Details

  • Loans up to $40,000 at 1% interest
  • Grants up to $10,000 for seniors 62+
  • Must be in eligible rural area
  • Income at or below 50% AMI required
  • Owner-occupied homes only

How to Apply

Deadline: Rolling applications subject to funding

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