USDA Section 504 Home Repair Program

USDA Rural Development

Available Home Repair

About This Program

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

Grant estimate for seniors unable to repay loan; others receive low-interest loans

Key Details

  • Loans up to $40,000 at 1% interest
  • Grants up to $10,000 for seniors 62+ unable to repay
  • Very low income required (50% AMI or below)
  • Must be in eligible rural area
  • Removes health and safety hazards

How to Apply

Deadline: Year-round applications

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