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USDA Rural Development
Max Benefit
$10K
Enrollment Period
Open enrollment
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.
Answer each question — we'll show you exactly what applies to your situation.
Are you a homeowner and occupy the property as your primary residence?
Do you live in a rural area?
What is your household income?
This program uses Area Median Income (AMI) — the middle income for your local area — as its benchmark. Your limit is 50% of your area's AMI, which varies by location. Select your state and area to see your exact limit.
What is your household income?
This program requires income at or below 80% of the Federal Poverty Level — that's the government's measure of what it costs to meet basic needs. Select your household size to see your exact dollar limit.
Count everyone who lives and eats with you — yourself, spouse/partner, children, and any dependents. Count a pregnant woman as 2.
Home must be 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?