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Door 3 · Repair my home
Help fixing the home you already own.
If you own a home in a rural area and can't afford the repairs it needs to be safe and livable — roof, electrical, plumbing, heating, accessibility — USDA may be able to help. Very-low-income homeowners can borrow up to $40,000; homeowners 62 and older may also qualify for a grant.
Two kinds of repair help
Repair loan
Up to $40,000
A 1% fixed-rate loan, repaid over up to 20 years. Available to very-low-income homeowners of any age.
Internally: Section 504 loan
Repair grant (62+)
Up to $10,000
A grant — no repayment — for homeowners 62+ who can't afford a loan. Must be used to remove health & safety hazards.
Internally: Section 504 grant
You may qualify for a loan, a grant, or both combined (up to $50,000). The application asks the questions; we figure out which mix fits.
What we can help with
Safety and accessibility come first
- Roof — leaks, missing shingles, structural failure
- Electrical — unsafe panel or wiring
- Plumbing — septic, well, water heater
- Heating — furnace or wood stove replacement
- Accessibility — ramps, grab bars, wider doorways
- Lead-paint or asbestos remediation
- Weatherization — insulation, windows
- Exterior — siding, paint, gutters (loan only)
What you'll need
- Photo ID and recorded deed for the home
- Most recent property-tax bill
- Proof of income (SSA, pension, bank statements)
- A written contractor bid for the repairs