USDA Section 504 Home Repair Program

USDA Rural Development

Available Senior & Disability

About This Program

Provides loans and grants to very-low-income homeowners in eligible rural areas to repair, improve, or modernize their homes. Grants up to $10,000 available for seniors age 62+ to remove health and safety hazards.

Grant available to seniors 62+; loans available to income-qualified owners

Key Details

  • Loans up to $40,000 at 1% interest
  • Grants up to $10,000 for seniors 62+
  • Must be very low income (50% AMI or below)
  • Property must be in eligible rural area
  • Covers health, safety, and accessibility improvements

How to Apply

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

Deadline: Rolling applications, subject to funding

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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