USDA Section 504 Home Repair Loan

U.S. Department of Agriculture

Available Home Repair

About This Program

Low-interest loan program for very-low-income homeowners in eligible rural areas to repair, improve, or modernize their homes. Loans at 1% fixed interest for up to 20 years. Must be 62+ or unable to obtain affordable credit elsewhere.

Loan at 1% fixed interest rate with up to 20-year repayment term

Key Details

  • Loan up to $40,000 at 1% interest
  • For very-low-income homeowners
  • Must be 62+ or unable to get affordable credit
  • 20-year repayment term available
  • Check USDA eligibility map for qualifying areas

How to Apply

Get free help applying Visit Official Program Page Track this program

(732) 537-6020

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Deadline: Rolling applications

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