Single Family Housing Repair Loans and Grants
The USDA Single Family Housing Repair Loans and Grants program, also known as the Section 504 Home Repair program, provides loans and grants to very-low-income homeowners to repair, improve, or modernize their homes or to remove health and safety hazards.
Deadline
Rolling
Est. Time
3-6 months depending on regional office caseload
Source
USDA Rural Housing
Eligibility Requirements
Applicants must be the homeowner and occupy the house, be unable to obtain affordable credit elsewhere, and have a family income below 50% of the area median income. Grants are exclusively for elderly homeowners (62+ years old) who cannot repay a loan.
Who Can Apply
Very-low-income homeowners residing in eligible rural areas as defined by the USDA.
Application Instructions
Interested applicants should contact their local USDA Rural Development office to discuss eligibility and receive application materials, as processing is managed at the local level.
Required Documents
- Form RD 410-4 Uniform Residential Loan Application
- Evidence of income
- Proof of ownership
- Property tax records
Geographic Restrictions
United States (Rural areas as defined by USDA)
Required Essays
- None
How to Stand Out
Contact your local USDA Rural Development office early, as funds are limited and distributed on a rolling basis. Ensure your property is located in an eligible rural area using the official USDA lookup tool online.
Risk Warnings
This is a government program; never pay a third party to apply on your behalf or for application forms, as these are provided free of charge by the USDA.