USDA Section 504 Home Repair Program

About This Program

Low-interest loans and grants to very-low-income homeowners in eligible rural areas to repair, improve, or modernize homes or remove health and safety hazards. Grants available only to seniors age 62+ who cannot repay a loan.

Loans at 1% interest; grants up to $10,000 for seniors 62+ only

Key Details

• Loans up to $27,500 at 1% interest
• Grants up to $10,000 for seniors 62+ who can't repay loan
• Income at or below 50% AMI required
• Must be in eligible rural or semi-rural area
• Covers health, safety, and accessibility repairs

How to Apply

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

Deadline: Applications accepted year-round, subject to funding