USDA Section 504 Home Repair Loan & Grant

USDA Rural Development

Available Home Repair

About This Program

USDA provides low-interest loans up to $40,000 and grants up to $10,000 for very low-income homeowners in eligible rural areas near St. Joseph to repair, improve, or modernize their homes or remove health and safety hazards. Seniors 62+ may qualify for grant assistance.

Grant portion (up to $10,000) available to homeowners 62+ who cannot afford loan repayment; loans at 1% interest

Key Details

  • Loans up to $40,000 at 1% interest for repairs
  • Grants up to $10,000 for seniors 62+ (very low income)
  • Must be in eligible rural area near St. Joseph
  • Owner-occupied primary residence required
  • Covers health/safety hazards and accessibility modifications

How to Apply

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

Deadline: Rolling applications, subject to annual appropriations

Need a Contractor for This Grant?

Grant-approved contractors understand the documentation, inspections, and timelines, so your funding releases on schedule.

Find More Programs in St. Joseph, MO

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