USDA Section 504 Single Family Housing Repair Loans and Grants

USDA Rural Development program providing 1%-interest loans up to $40,000 for repairs and modernization, and grants up to $10,000 for homeowners age 62 and older to remove health and safety hazards. Explicitly usable for wheelchair ramps, grab bars, and accessibility improvements for aging in place. Rural homeowners only. Loans and grants can be combined up to $50,000 ($55,000 in disaster areas). Applications accepted year-round at USDA Rural Development field offices.

For caregivers helping aging family members remain at home in rural areas: (1) Loans — 1% interest, up to $40,000, up to 33-year repayment; can be used for general home repairs and modernization including accessibility modifications; (2) Grants — up to $10,000 for homeowners age 62+ to remove health and safety hazards; no repayment required; explicitly usable for wheelchair ramps, grab bars, wider doorways, and fall-hazard removal; (3) Combination — loan + grant up to $50,000 ($55,000 in disaster areas); (4) Very-low-income households only — typically at or below 50% of area median income; (5) Year-round applications at your USDA Rural Development field office (find at rd.usda.gov); (6) Rural-only — for urban/suburban caregivers, see HUD Older Adults Home Modification Program. This is one of the few cash sources for home modifications for an aging parent in a rural low-income household.

Some details for this program are still being verified. Check the official source for the most current information.

Services

For caregivers helping aging family members remain at home in rural areas: (1) Loans — 1% interest, up to $40,000, up to 33-year repayment; can be used for general home repairs and modernization including accessibility modifications; (2) Grants — up to $10,000 for homeowners age 62+ to remove health and safety hazards; no repayment required; explicitly usable for wheelchair ramps, grab bars, wider doorways, and fall-hazard removal; (3) Combination — loan + grant up to $50,000 ($55,000 in disaster areas); (4) Very-low-income households only — typically at or below 50% of area median income; (5) Year-round applications at your USDA Rural Development field office (find at rd.usda.gov); (6) Rural-only — for urban/suburban caregivers, see HUD Older Adults Home Modification Program. This is one of the few cash sources for home modifications for an aging parent in a rural low-income household.

How to apply

Apply online or find more information at the official program page.