The United States Department of Agriculture (USDA) is now accepting applications for their Section 504 Home Repair program, which provides loans to very-low-income homeowners to repair, improve or modernize their homes, or grants to elderly very-low-income homeowners to remove health and safety hazards.


To qualify, Applicants must:
  •  Be the homeowner and occupy the house
  •  Be unable to obtain affordable credit elsewhere
  •  Have a family income below 50 percent of the area median income
  •  For grants, be age 62 or older and not be able to repay a repair loan

Loans may be used to repair, improve or modernize homes or remove health and safety hazards. Grants must be used to remove health and safety hazards.

The maximum loan is $20,000 and maximum grant is $7,500. Loans and grants can be combined for up to $27,500 in assistance. Home loans are available year-round as long as funding is available and applications are processed in the order they are received.

For more information, contact a USDA home loan specialist (302) 857-3580 or visit the website at https://www.rd.usda.gov/programs-services/single-family-housing-repair-loans-grants