USDA Section 504 Home Repair Loan

USDA Rural Development

Available Home Repair

About This Program

Low-interest loan for very low-income homeowners in eligible rural areas to repair, improve, or modernize their homes. Loans up to $40,000 at 1% fixed interest with up to 20-year repayment terms. Property must be in a USDA-eligible rural area.

Loan at 1% fixed interest, 20-year maximum term

Key Details

  • Loan up to $40,000 at 1% fixed interest
  • 20-year maximum repayment term
  • Income at or below 50% AMI required
  • Must own home in USDA-eligible rural area
  • Covers repairs, improvements, and accessibility modifications

How to Apply

Get free help applying Visit Official Program Page Track this program

(479) 443-9629

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Deadline: Rolling applications

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