USDA Section 504 Home Repair Program

USDA Rural Development

Available Home Repair

About This Program

Federal program providing low-interest loans and grants to very-low-income homeowners in eligible rural areas of Schenectady County to repair, improve, or modernize their homes or remove health and safety hazards. Grants available only to seniors age 62+ who cannot afford loan repayment.

Seniors 62+ may qualify for grant up to $10,000; others receive 1% loan

Key Details

  • Grant up to $10,000 for seniors 62+ (very low income)
  • Loan up to $40,000 at 1% interest for others
  • Must be in eligible rural area of Schenectady County
  • Covers health/safety hazards and accessibility
  • Income at or below 50% AMI required

How to Apply

A grant-savvy contractor in Schenectady, 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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