USDA Section 504 Home Repair Loan & Grant

USDA Rural Development

Available Home Repair

About This Program

Provides loans and grants to very low-income homeowners in eligible rural areas near Wilmington to repair, improve, or modernize homes. Seniors age 62+ may qualify for grants up to $10,000 for accessibility and health/safety hazards.

Loan at 1% interest plus potential grant for seniors 62+

Key Details

  • Loans up to $40,000 at 1% interest
  • Grants up to $10,000 for seniors 62+
  • Must be in eligible rural area
  • Income at or below 50% AMI
  • 20-year loan term

How to Apply

Get free help applying Visit Official Program Page Track this program

(919) 873-2075

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

Deadline: Applications accepted year-round

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