USDA Section 504 Home Repair Loan & Grant

USDA Rural Development

Available Home Repair

About This Program

USDA program providing very low-interest loans (1% fixed) up to $20,000 and grants up to $10,000 for seniors 62+ to repair, improve, or modernize homes in eligible rural areas. Grants available only to very low-income seniors unable to repay a loan. Check USDA eligibility map for Trenton parcels.

Grant for seniors 62+ or low-interest loan for other qualifying homeowners

Data last verified 2026-06-09. How we verify our data.

This is a national program. In Trenton, MI, you can stack it with local programs like these:

Key Details

  • Grants up to $27,500 for seniors 62+
  • Loans up to $20,000 at 1% fixed rate
  • Must be in eligible rural area (check USDA map)
  • Income at or below 50% AMI for grants
  • Covers health, safety, accessibility improvements

How to Apply

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

You will likely need a contractor to apply

Projects like this almost always need a licensed contractor, and many grants ask for a written estimate as part of your application. Lining up a contractor in Trenton early keeps your application moving.

Get matched with a contractor

Each program sets its own contractor rules. Check the official program page for exact requirements.

Deadline: Applications accepted year-round, subject to funding

Questions about this program?

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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 Trenton, MI

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