See details for your state

USDA Rural Development

USDA Rural Housing Repair Loans and Grants (Section 504)

BenefitHousing AssistanceRecurringRolling

What it may cover

$10K

Enrollment

Open enrollment

Where available

Check locally

What you get

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. Grants are provided to elderly (age 62+) very-low-income homeowners. The program is available only in eligible rural areas and helps homeowners who cannot afford commercial financing.

Help with rent, housing costs, or finding stable housing through a local housing agency or approved provider.

Ask about priority lists if you are homeless, fleeing violence, disabled, elderly, or caring for children.

Do you qualify?

Check what applies to you. Your answers are saved on this device so you can come back later.

0/7 confirmed

Do you own or rent the home to be weatherized?
Are you in an eligible rural area as defined by USDA Rural Development?
Income must be at or below 50% of Area Median Income to qualify for a grant component?
Household income requirement
This program has income limits. Tell us your household size and income so we can check for you.
How many people are in your household?
Count everyone who lives and eats with you — yourself, partner, children, and dependents.
Is your home your primary residence and in need of repair, improvement, or modernization?
Are you unable to obtain affordable credit elsewhere?
Grants must be used to remove a health or safety hazard?

What to bring

If you do not have one of these, apply anyway and ask what substitutes are accepted.

1Form RD 410-4 (Uniform Residential Loan Application — complete both grant and loan sections if applicable)
2Proof of age: birth certificate, driver's license, or passport (for grant eligibility)
3Proof of income: most recent federal tax return, pay stubs, Social Security/SSA award letters
4Proof of homeownership: deed, title, property tax statement
5Government-issued photo ID and Social Security card
6Contractor cost estimates for proposed repairs (2-3 bids recommended)
7Proof of rural address eligibility (USDA office will verify)

How to apply

Most applications take about 60 days to process after submission.

1Find the right local officeUse your ZIP code to confirm the public housing agency that handles USDA Rural Housing Repair Loans and Grants (Section 504).
2Apply online, by phone, or in personUse the official application path and keep a copy of anything you submit.
3Complete the interview or verificationMany benefits require a short call, appointment, or document check.
4Watch for a decisionKeep mail, email, and phone open so you do not miss follow-up requests.

Find local help

Your ZIP helps you confirm the right local office and state-specific rules.

You may also qualify for

Other programs in the same category that often go hand-in-hand.

U.S. Department of the Treasury

Emergency Rental Assistance Program

U.S. Department of Housing and Urban Development

Good Neighbor Next Door

U.S. Department of Housing and Urban Development

HOPWA — Housing Opportunities for Persons With AIDS

See details for your state

USDA Rural Development

USDA Rural Housing Repair Loans and Grants (Section 504)

BenefitHousing AssistanceRecurringRolling

What it may cover

$10K

Enrollment

Open enrollment

Where available

Check locally

What you get

Help with rent, housing costs, or finding stable housing through a local housing agency or approved provider.

Ask about priority lists if you are homeless, fleeing violence, disabled, elderly, or caring for children.

Do you qualify?

Check what applies to you. Your answers are saved on this device so you can come back later.

0/7 confirmed

Do you own or rent the home to be weatherized?
Are you in an eligible rural area as defined by USDA Rural Development?
Income must be at or below 50% of Area Median Income to qualify for a grant component?
Household income requirement
This program has income limits. Tell us your household size and income so we can check for you.
How many people are in your household?
Count everyone who lives and eats with you — yourself, partner, children, and dependents.
Is your home your primary residence and in need of repair, improvement, or modernization?
Are you unable to obtain affordable credit elsewhere?
Grants must be used to remove a health or safety hazard?

What to bring

If you do not have one of these, apply anyway and ask what substitutes are accepted.

1Form RD 410-4 (Uniform Residential Loan Application — complete both grant and loan sections if applicable)
2Proof of age: birth certificate, driver's license, or passport (for grant eligibility)
3Proof of income: most recent federal tax return, pay stubs, Social Security/SSA award letters
4Proof of homeownership: deed, title, property tax statement
5Government-issued photo ID and Social Security card
6Contractor cost estimates for proposed repairs (2-3 bids recommended)
7Proof of rural address eligibility (USDA office will verify)

How to apply

Most applications take about 60 days to process after submission.

1Find the right local officeUse your ZIP code to confirm the public housing agency that handles USDA Rural Housing Repair Loans and Grants (Section 504).
2Apply online, by phone, or in personUse the official application path and keep a copy of anything you submit.
3Complete the interview or verificationMany benefits require a short call, appointment, or document check.
4Watch for a decisionKeep mail, email, and phone open so you do not miss follow-up requests.

Find local help

Your ZIP helps you confirm the right local office and state-specific rules.

You may also qualify for

Other programs in the same category that often go hand-in-hand.

U.S. Department of the Treasury

Emergency Rental Assistance Program

U.S. Department of Housing and Urban Development

Good Neighbor Next Door

U.S. Department of Housing and Urban Development

HOPWA — Housing Opportunities for Persons With AIDS