USDA Section 504 Home Repair Loan & Grant

USDA Rural Development

Available Home Repair

About This Program

Federal program for very low-income rural homeowners to repair, improve, or modernize homes. Grants up to $27,500 for seniors (62+) to remove health/safety hazards. Loans up to $40,000 at 1% interest for repairs.

Grant portion for seniors 62+; loan available to all eligible very low-income rural homeowners

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

This is a national program. In West Des Moines, IA, you can stack it with local programs like these:

Key Details

  • Up to $27,500 grant for seniors 62+
  • Up to $40,000 loan at 1% interest
  • Very low income required (50% AMI)
  • Must be in eligible rural area
  • Removes health and safety hazards

How to Apply

A grant-savvy contractor in West Des Moines, IA 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 West Des Moines 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: Ongoing, subject to funding availability

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 West Des Moines, IA

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