USDA Section 504 Home Repair Loans and Grants
Federal home repair assistance for very-low-income rural homeowners. Loans up to $40,000 at 1% interest with 20-year term. Grants up to $10,000 reserved for homeowners 62 and older who cannot repay a loan. Used for repairs that improve safety, accessibility, or remove health/safety hazards. Administered by USDA Rural Development.
Potential Benefit
Loans up to $40,000 at 1% interest for home repairs; grants up to $10,000 for homeowners 62 and older unable to repay
Who Qualifies
Very-low-income rural homeowners; grant component restricted to homeowners 62 and older
Income limits (typically below 50% Area Median Income for very-low-income) vary by location — verify with local USDA Rural Development field office. The grant component is restricted to homeowners 62 and older who lack repayment ability; loans are available to all qualifying rural very-low-income homeowners aged 18+.
How to Apply
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