{"id":"usda-section-504-home-repair","name":"USDA Section 504 Home Repair Loans and Grants","provider":"USDA Rural Development","entitlement_type":"government-benefit","entitlement_type_label":"Government benefit","entitlement_type_context":{"definition":"A government-funded or administered benefit, service, coverage program, assistance program, or public access route.","domain":"public-benefits","archetype":"direct-program","agent_instruction":"Identify the administering jurisdiction and disclose income, household, age, disability, immigration, residence, renewal, fee, and capacity rules that apply."},"summary":"Very-low-income rural homeowners can seek low-interest repair loans, while qualifying homeowners age 62 or older can seek grants to remove health and safety hazards.","benefit":{"description":"A repair loan at the published low interest rate, a limited grant for an eligible older homeowner, or a combination subject to program limits and funding.","estimated_value_usd":null},"discovery":{"focus":"public-service","has_estimated_dollar_value":false},"access":{"relationships":["Very-low-income homeowner in an eligible rural area","Grant-eligible homeowner age 62 or older"],"requirements":"The applicant must own and occupy a home in an eligible rural area, meet the county very-low-income limit, and be unable to obtain affordable credit elsewhere. Grants require age 62 or older and inability to repay a loan.","activation":"Check address and income eligibility, contact the local Rural Development office, and submit the required home, income, asset, and repair documentation.","cost_basis":"varies","cost_basis_label":"Variable by provider or eligibility","cost_basis_context":{"classification":"variable","definition":"The user's out-of-pocket cost cannot be represented by one fixed amount because it depends on provider policy, income, household, geography, selected service, coverage group, subsidy amount, or the underlying program. It may be free, reduced, sliding-scale, or partly paid.","agent_instruction":"Read and disclose the record's fees and requirements; use the most precise bounded price or variation reason available instead of repeating only that cost varies.","variation_patterns":["bounded price range","provider-set price","income-based sliding scale","coverage or service-dependent cost sharing","partial subsidy","directory of programs with different terms"],"does_not_mean":["universally free","cost information was necessarily omitted"]},"fees":"Grants have no regular repayment but can be recaptured if the home is sold within three years. Loans, title work, packaging, and noncovered repairs can create costs.","personalized":false,"regions":["US","Eligible rural areas"],"expires":null},"status":"verified","last_checked":"2026-08-04","claim_url":"https://www.rd.usda.gov/programs-services/single-family-housing-programs/single-family-housing-repair-loans-grants","source_url":"https://www.rd.usda.gov/programs-services/single-family-housing-programs/single-family-housing-repair-loans-grants","source":{"primary_url":"https://www.rd.usda.gov/programs-services/single-family-housing-programs/single-family-housing-repair-loans-grants","evidence":[{"source":"USDA Rural Development","url":"https://www.rd.usda.gov/programs-services/single-family-housing-programs/single-family-housing-repair-loans-grants","kind":"provider","checked_at":"2026-08-04"}]},"parent":null,"coverage":{"level":"national","family":"housing-and-disaster","jurisdiction":"United States","maturity":"direct"},"web_url":"/benefits/usda-section-504-home-repair","taxonomy":{"version":"1.0","url":"/api/v1/taxonomy"}}