USDA Section 504 Home Repair Loan & Grant

About This Program

USDA grants up to $10,000 for age 62+ homeowners in eligible rural areas. Loans up to $20,000 at 1% over 20 years for very low-income households. New York is in pilot program through December 2026. Use USDA eligibility map at rd.usda.gov to check specific addresses in Onondaga County.

Very low income — check USDA map for rural eligible address

Key Details

• Grant up to $10,000 for age 62+ very-low-income homeowners
• Loan up to $20,000 at 1% for 20 years
• Combined grant + loan up to $27,500
• NY in pilot program through December 2026
• Check USDA eligibility map — some Onondaga County areas qualify

How to Apply

Deadline: Year-round — check USDA Rural Development office