USDA Section 504 Home Repair Program
Who Is Eligible?
Overview
Rural homeowners 62+ with income below 50% of area median (grants) or below 80% (loans)
Age
Applicants must be at least 62 years old for grants; loans available to younger homeowners
Age
Household income must be at or below 50 percent of Area Median Income with personal liquid assets not exceeding $15,000 ($20,000 if age 62+)
Homeownership
Applicant must own and occupy the home as primary residence in a USDA-eligible rural area with population under 35,000 and be a U.S
Details
citizen or legal permanent resident
Disability
Grants up to $10,000 cover health and safety hazards including home accessibility modifications for people with disabilities; loans up to $40,000 at 1 percent interest over 20 years
Details
Loans and grants can be combined for up to $50,000 total assistance
Geography
Contact your local USDA Rural Development office to verify property eligibility and submit application year-round
Ready to Apply?
Visit the official program website for the most up-to-date application instructions and forms.
Visit Official Program Page ↗Information last reviewed March 2026 by Editorial team. Program details may change.