USDA Section 504 Home Repair Loans & Grants

About This Program

Loans at 1% interest (20-year term) for very-low-income homeowners in USDA-eligible rural areas to repair, improve, or modernize homes. Grants up to $10,000 for homeowners 62+ to remove health and safety hazards. Loans and grants can be combined.

Must be in USDA-eligible rural area; check property eligibility online

Key Details

• Very-low-income (below 50% AMI) homeowners
• Property must be in USDA-eligible rural area
• 1% interest loans up to $40,000 (20-year term)
• Grants up to $10,000 for homeowners age 62+
• Contact Ohio USDA RD: 614-255-2400

How to Apply

Deadline: Ongoing