USDA Section 504 Home Repair Loan & Grant

USDA Rural Development

Available Home Repair

About This Program

Low-interest loans and grants for very-low-income homeowners in eligible rural areas to repair, improve, or modernize homes or remove health and safety hazards. Grants available only to homeowners 62+ who cannot repay a loan.

Combination of 1% loan up to $27,500 plus grant up to $10,000 for seniors 62+

Key Details

  • Loan up to $27,500 at 1% interest, 20-year term
  • Grant up to $10,000 for seniors 62+ (does not repay)
  • Very low income required (50% AMI or below)
  • Must be in USDA-eligible rural area
  • Covers health, safety, and accessibility repairs

How to Apply

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

Deadline: Applications accepted year-round, 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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