USDA Section 504 Home Repair Loan & Grant

USDA Rural Development

Available Home Repair

About This Program

Low-interest loans and grants to very-low-income homeowners in eligible rural areas to repair, improve, or modernize their homes or remove health and safety hazards. Grants (up to $10,000) are available to those 62+ who cannot afford a loan.

Combined loan and grant eligibility varies by income and age

Key Details

  • Loans up to $40,000 at 1% interest (20-year term)
  • Grants up to $10,000 for seniors 62+ unable to repay
  • Income at or below 50% AMI required
  • Must own and occupy home in eligible rural area
  • Covers health/safety hazards and accessibility

How to Apply

Get free help applying Visit Official Program Page Track this program

(801) 524-4320

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Deadline: Ongoing, subject to funding availability

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