2026-04-14

USDA Section 504 Home Repair Program: Who Qualifies and How to Apply

The USDA Section 504 program can help low-income homeowners repair, improve, or modernize their homes, but do you know if you qualify? Here’s a simple guide.

For many low- to moderate-income homeowners, unexpected repairs or aging home systems can feel overwhelming.

The USDA Section 504 Home Repair Program offers grants and loans to help cover these costs, focusing on health, safety, and accessibility improvements.

Understanding eligibility and the application process is key to getting the help you need.

Who Qualifies for Section 504

The program is designed for homeowners who meet certain criteria:

Income limits: Household income must be at or below the area median income (AMI), which varies by county and family size.
Homeownership: You must own and live in the home.
Age for grants: Homeowners 62 years or older may qualify for grants if they cannot repay a loan.
Repayment ability: Loans are available for eligible homeowners who can reasonably repay over time.

This program focuses on serious repairs like replacing roofs, fixing plumbing or electrical issues, improving accessibility, or addressing health and safety concerns.

Check your eligibility and learn more: USDA Section 504 Home Repair Program

How to Apply

Applying is a step-by-step process:

Contact your local USDA Rural Development office – Applications are handled locally, and staff can guide you through program requirements.
Complete the application form – You’ll provide information about your income, home condition, and household size.
Prepare supporting documents – Proof of homeownership, income verification, identification, and repair estimates may be requested.
Home inspection – USDA may inspect your home to determine the repairs needed and ensure the property qualifies.
Approval and repair plan – Once approved, you’ll receive a grant, loan, or combination to cover the cost of necessary repairs.