USDA home repair loans and grants (Section 504)
Low-interest repair loans, and repair grants for homeowners 62+, in eligible rural areas.
Grants may have to be repaid if you sell within 3 years. Loans must be repaid.
Apply on the official site ↗Goes to USDA Rural Development. Applying is free.
Who generally qualifies
Homeowners in eligible rural areas with very low income; grants are for those 62+.
Exact income limits and rules are set by USDA Rural Development and can change. Check the official site for current details.
How to apply
- Check whether your address is in an eligible rural area on the USDA site.
- Apply with your state's USDA Rural Development office.
What to have ready
- Proof of ownership
- Income records
- Repair estimates
Common questions
- Does it cost anything to apply?
- No. Applying through the official site is free. Be wary of anyone who charges a fee to apply for you.
- Do I have to pay it back?
- Possibly. Some help must be repaid if you don't meet conditions, such as selling a home within a set time. Read the terms on the official site.
- Who decides if I qualify?
- USDA Rural Development makes the final decision. This page explains the program in general terms only.
- Where can I find current income limits and amounts?
- Income limits, benefit amounts and deadlines change, so check USDA Rural Development for the latest details.
Link checked October 22, 2026. BenefitSearch is not affiliated with USDA Rural Development.