USDA Section 504 Home Repair Program

USDA Rural Development

Available Home Repair

About This Program

Very low-interest loans (1%) up to $40,000 and grants up to $10,000 for seniors 62+ to repair, improve, or modernize rural homes. Grants available only to very low-income seniors unable to repay a loan, for removal of health and safety hazards.

Combined loan and grant value for qualifying senior homeowner

Key Details

  • Loan up to $40,000 at 1% interest, 20-year term
  • Grant up to $10,000 for seniors 62+ (very low income)
  • Must be in eligible rural area
  • Removes health and safety hazards
  • Cannot be used to increase living space

How to Apply

Deadline: Applications accepted year-round

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