USDA Section 504 Home Repair Loans & Grants

About This Program

Loans up to $40,000 at 1% interest and grants up to $10,000 for very-low-income homeowners in eligible rural areas. Grants limited to homeowners 62+. Note: Philadelphia city may not be in a USDA-eligible rural area -- check your specific address.

Rural area requirement -- check eligibility at rd.usda.gov

Key Details

• Loans up to $40,000 at 1% interest for 20 years
• Grants up to $10,000 for homeowners age 62+
• Must be very-low-income in eligible rural area
• Philadelphia city may not qualify -- check address
• Materials Pilot Program expedites repairs through 2026

How to Apply

Deadline: Ongoing