USDA Section 504 Home Repair Loan & Grant

USDA Rural Development

Available Home Repair

About This Program

Federal program offering low-interest loans up to $40,000 and grants up to $10,000 for very low-income homeowners in eligible rural areas to repair or improve dwellings. Grants available only to seniors (62+) unable to repay a loan.

Combination of loan and grant based on income and ability to repay

Key Details

  • Loans up to $40,000 at 1% interest
  • Grants up to $10,000 for seniors 62+
  • Very low-income homeowners in rural areas
  • Covers repairs, accessibility, health hazards
  • Grants do not require repayment

How to Apply

Deadline: Applications accepted year-round

Need a Contractor for This Grant?

Grant-approved contractors understand the documentation, inspections, and timelines, so your funding releases on schedule.

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