USDA Section 504 Home Repair Loan & Grant

USDA Rural Development

Available Home Repair

About This Program

Federal program providing loans and grants to very-low-income homeowners in eligible rural areas near St. Cloud to repair, improve, or modernize homes. Grants up to $7,500 available for seniors age 62+ to remove health and safety hazards.

Combination of grant and low-interest loan based on age and income

Key Details

  • Loans up to $40,000 at 1% interest
  • Grants up to $7,500 for seniors 62+
  • Income at or below 50% AMI required
  • Must be in USDA-eligible rural area
  • Covers health, safety, and accessibility repairs

How to Apply

Get free help applying Visit Official Program Page Track this program

(320) 251-5305

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

Deadline: Applications accepted year-round

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