USDA Section 504 Home Repair Loan

USDA Rural Development

Available Home Repair

About This Program

Very low-interest loan (1%) for very low-income homeowners in eligible rural areas including Ponca City. Loans can be used to repair, improve, or modernize homes, or remove health and safety hazards. Loan term up to 20 years makes payments affordable.

1% interest loan with up to 20 year term; monthly payment estimate based on maximum

Key Details

  • Low-interest loan up to $40,000 at 1%
  • Very low income required (50% AMI or below)
  • Up to 20 year repayment term
  • Available in eligible rural areas
  • Can be combined with $10,000 grant for seniors 62+

How to Apply

Get free help applying Visit Official Program Page Track this program

(405) 742-1000

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

Deadline: Year-round applications

Need a Contractor for This Grant?

Grant-approved contractors understand the documentation, inspections, and timelines, so your funding releases on schedule.

Get matched with a pro, free Browse Ponca City, OK contractors

Find More Programs in Ponca City, OK

This is just one of many grants, rebates, and free programs available. Stack them together to maximize your savings.

See All Programs