USDA Section 504 Home Repair Loan & Grant

USDA Rural Development

Available Senior & Disability

About This Program

USDA program offering low-interest loans up to $40,000 and grants up to $10,000 for very low-income homeowners in eligible rural areas to repair, improve, or modernize their homes. Grants available only to homeowners 62+ who cannot repay a loan.

Grant for seniors 62+, loan for others, based on income and need

Key Details

  • Grants up to $27,500 for seniors 62+
  • Loans up to $40,000 at 1% interest
  • Very low income required (50% AMI)
  • Must be in USDA-eligible rural area
  • For essential home repairs and accessibility

How to Apply

Deadline: Rolling applications, subject to funding

Need a Contractor for This Grant?

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

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