USDA Section 504 Home Repair Program

USDA Rural Development

Available Senior & Disability

About This Program

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

Grant amount for seniors 62+; younger homeowners receive 1% interest loan

Key Details

  • Grants up to $10,000 for seniors 62+
  • Loans up to $40,000 at 1% interest
  • Very low income required (50% AMI or below)
  • Must be in eligible rural area
  • Covers health/safety hazards and accessibility

How to Apply

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

Deadline: Year-round, subject to funding availability

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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