USDA Section 504 Home Repair Loan & Grant

About This Program

USDA Section 504 provides loans up to $40,000 (1% interest, 20-year term) and grants up to $10,000 (combined cap $50,000) to very-low-income homeowners in eligible rural areas to remove health and safety hazards or improve accessibility. Grants require the applicant to be age 62 or older and unable to repay a loan. DC urban areas are generally ineligible, but rural portions of the broader region may qualify.

Using the published $10,000 lifetime grant maximum.

Key Details

• Grant up to $10,000 (age 62+ only); Loan up to $40,000
• Combined maximum: $50,000
• Income must be at or below 50% AMI
• DC urban areas typically ineligible – verify rural designation
• 1% interest rate on loan portion; 20-year term

How to Apply

Deadline: Rolling – NOTE: DC is predominantly urban and may not qualify; verify rural eligibility