Grants directory
Single Family Housing Section 504 Home Repair Loans and Grants
U.S. Department of Agriculture Rural Development · Federal program
Loans up to $40,000; grant portion available for some very-low-income seniors
USDA Rural Development’s Section 504 program offers low-interest loans and grants to very-low-income homeowners to repair, improve, or modernize homes and remove health and safety hazards. The loan amount can be up to $40,000.
Program details
How it works
USDA Rural Development says this program helps homeowners repair, improve, or modernize homes and remove health and safety hazards. The agency describes it as low-interest loans and grants for eligible rural homeowners.
What the money covers
The official material says the program can be used for repairs, improvements, modernization, and removal of health and safety hazards.
Amounts and matching
- Loans: up to $40,000
- The agency’s February 2026 news release says homeowners age 62 or older may be eligible for the grant portion if they cannot afford to repay a loan
How to apply
USDA directs applicants to contact a local USDA home loan specialist.
Timing and deadlines
The page describes the program as an ongoing Rural Development home repair option; the exact application window is not stated on the overview material I found.
Full eligibility details
Create a free account to see full eligibility, get matched to your address, and get application help.
Create accountGet matched to programs for your exact address
Create a free Cindera account to see full eligibility details, get programs matched to your exact address, and get grant application help.
Create account