USDA Section 504 Rural Home Repair Loans & Grants

About This Program

USDA Section 504 provides repair loans at 1% interest (20-year term) and grants of up to $10,000 for very low-income rural homeowners aged 62 or older to remove health and safety hazards. Combined assistance can reach $50,000. Rural areas of Orange County may qualify; applicants should verify eligibility by address at rd.usda.gov.

Grants (age 62+ only): no repayment. Loans: 1% interest for 20 years. Combined maximum: $50,000.

Key Details

• Grants up to $10,000 for homeowners age 62+ (very low income)
• Loans up to $40,000 at 1% interest for 20 years
• Combined maximum: $50,000 in assistance
• Income must be at or below 50% AMI
• Rural Orange County areas may qualify; verify address at rd.usda.gov

How to Apply

Deadline: Ongoing through USDA Rural Development