USDA Section 504 Home Repair Loan & Grant

USDA Rural Development

Available Senior & Disability

About This Program

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

Loan at 1% interest, grant portion for seniors 62+ only

Key Details

  • Loans up to $27,500 at 1% interest
  • Grants up to $10,000 for seniors 62+
  • Very low income required (50% AMI or below)
  • Must be in eligible rural area
  • Covers health, safety, and accessibility repairs

How to Apply

Get free help applying Visit Official Program Page Track this program

(315) 477-6437

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

Deadline: Year-round applications

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