USDA Section 504 Home Repair Loan & Grant

USDA Rural Development

Available Home Repair

About This Program

Federal program providing low-interest loans and grants to very-low-income homeowners in eligible rural areas to repair, improve, or modernize their homes. Grants available only to seniors (62+) for accessibility and health/safety hazards.

Grant portion (seniors 62+) does not require repayment; loan at 1% interest

Key Details

  • Loans up to $40,000 at 1% interest for 20 years
  • Grants up to $10,000 for seniors 62+ (no repayment)
  • Must be very low income (50% AMI or below)
  • Home must be in eligible rural area
  • Covers health/safety repairs and accessibility

How to Apply

Get free help applying Visit Official Program Page Track this program

(517) 324-5190

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Deadline: Applications accepted year-round

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