USDA Section 504 Home Repair Loan & Grant

U.S. Department of Agriculture Rural Development

Available Home Repair

About This Program

Low-interest loans and grants for very low-income homeowners in eligible rural areas to repair, improve, or modernize their homes or remove health and safety hazards. Seniors age 62+ may qualify for grant funds up to $10,000 that do not need to be repaid. Loans up to $27,500 at 1% interest for up to 20 years.

Grant portion (up to $10,000) does not require repayment; loan at 1% interest

Key Details

  • Up to $27,500 loan at 1% interest + $10,000 grant for seniors 62+
  • Must be very low income and in eligible rural area
  • Covers repairs, accessibility, health/safety hazards
  • Grant portion does not require repayment
  • Contact USDA to verify location eligibility

How to Apply

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

Deadline: Ongoing; contact local USDA office for eligibility

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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