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USDA Rural Repair and Rehabilitation Loans and Grants

Link view program website
Sponsor USDA Rural Development
Deadlines Applications accepted on an ongoing basis

Each state has its own individual contacts. Visit the Rural Development state page to find the nearest state office contact.


The Very Low-Income Housing Repair program provides loans and grants to homeowners who are 62 years old or older who are very low-income homeowners to repair, improve, or modernize their dwellings or to remove health and safety hazards.


To obtain a loan, homeowner-occupants must be unable to obtain affordable credit elsewhere and must have very low incomes, defined as below 50 percent of the area median income. Grants are only available to homeowners who are 62 years old or older and cannot repay a Section 504 loan.

Amount of

Loans of up to $20,000 and grants of up to $7,500 are available. Loans are for up to 20 years at 1 percent interest. Loans and grants can be combined for up to $27,500 in assistance.


Applications are available on the program website. For more information about this program, or to file an application, contact the local Rural Development office in your area.

Tagged as Aging, Housing and homelessness, Personal finance

For complete information about funding programs, including your application status, please contact funders directly. Summaries are provided for your convenience only. RAC does not take part in application processes or monitor application status.

Related Content

USDA Rural Development, view details

Phone: 1-800-270-1898

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Funding for this project was supported by Grant Number U56RH05539 from the Office of Rural Health Policy, Health Resources and Services Administration, U.S. Department of Health and Human Services. The contents of this website are solely the responsibility of the authors and do not necessarily represent the official views of the funder.