USDA Section 504 Home Repair Loans & Grants

About This Program

USDA program for very-low-income homeowners in eligible rural areas. Loans up to $40,000 at 1% interest for 20 years; grants up to $10,000 (lifetime limit) for homeowners 62+ unable to repay a loan. Combined assistance up to $50,000. Important note: Most of Portland is not in a USDA-eligible rural area — check your specific address at the USDA eligibility map before applying.

Portland city addresses mostly ineligible; rural fringe areas may qualify — verify at eligibility.sc.egov.usda.gov

Key Details

• IMPORTANT: Most of Portland is not in USDA-eligible rural area — verify your address first
• Very-low income required (below 50% AMI)
• Grants up to $10,000 for age 62+ who cannot repay a loan
• Loans up to $40,000 at 1% interest, 20 years
• Verify rural eligibility at eligibility.sc.egov.usda.gov

How to Apply

Deadline: Rolling