USDA Section 504 Home Repair Program

USDA Rural Development

Available Home Repair

About This Program

Provides loans and grants to very-low-income homeowners in eligible rural areas to repair, improve, or modernize homes. Grants up to $10,000 available for seniors (62+) to remove health and safety hazards.

Combines low-interest loan up to $40,000 with grant up to $10,000 for seniors

Data last verified 2026-06-09. How we verify our data.

This is a national program. In Port Charlotte, FL, you can stack it with local programs like these:

Key Details

  • Loans up to $40,000 at 1% interest, 20-year term
  • Grants up to $10,000 for seniors 62+ to remove hazards
  • Income must be below 50% AMI
  • Must be in eligible rural area
  • Owner-occupied primary residence required

How to Apply

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

You will likely need a contractor to apply

Projects like this almost always need a licensed contractor, and many grants ask for a written estimate as part of your application. Lining up a contractor in Port Charlotte early keeps your application moving.

Get matched with a contractor

Each program sets its own contractor rules. Check the official program page for exact requirements.

Deadline: Rolling applications, subject to funding availability

Questions about this program?

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Need a Contractor for This Grant?

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

Find More Programs in Port Charlotte, FL

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

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