All benefits/USDA Section 504 Home Repair Loans and Grants
ENTITLEMENT / USDA-SECTION-504-HOME-REPAIR
US
USDA Rural Development
USDA Section 504 Home Repair Loans and Grants
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.
Very-low-income homeowner in an eligible rural areaGrant-eligible homeowner age 62 or older
Entitlement facts
Benefit type
Government benefit. A government-funded or administered benefit, service, coverage program, assistance program, or public access route. Taxonomy definition →
What it unlocks
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.
Who qualifies
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.
How to activate
Check address and income eligibility, contact the local Rural Development office, and submit the required home, income, asset, and repair documentation.
Cost basis
Variable by provider or eligibility. 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.
Cost and 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.
Geography
US, Eligible rural areas
Personalization
Published eligibility is not described as individually targeted.
EVIDENCE / 1 SOURCE
Eligibility is conditional, not guaranteed.
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