USDA Section 504 Home Repair Program

USDA Rural Development

Available Home Repair

About This Program

Low-interest loans and grants for very low-income homeowners in eligible rural areas to repair, improve, or modernize homes or remove health and safety hazards. Grants (up to $10,000) available only to seniors age 62+ unable to repay a loan.

Loan at 1% interest for up to 20 years; grant portion for seniors 62+

Key Details

  • Loans up to $27,500 at 1% interest
  • Grants up to $10,000 for seniors 62+ unable to repay loan
  • Very low income required (50% AMI or below)
  • Must own and occupy home in eligible rural area
  • Covers repairs, accessibility modifications, health/safety

How to Apply

Get free help applying Visit Official Program Page Track this program

(732) 359-5295

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

Deadline: Ongoing, subject to funding availability

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