Home Repair Loans and Grants

Rural Development programs ensure all Americans have access to the financial resources necessary to maintain their home in livable condition.

State Natural Resource Management Guide

Am I eligible for a Home Repair Grant?
To qualify for a home repair grant the applicant must be 62 or older, and cannot afford to pay back a one-percent interest rate home repair loan. Contact us for details on how to determine your adjusted family income. See the list of USDA Rural Development offices in your area if you have application questions.

Am I eligible for a Home Repair loan?
Eligibility for our home repair loans is based on adjusted family income. Contact us for details on how to determine your adjusted family income.

Is my home eligible?
Use our online Address Search to find out if the is in an eligible area. You may also contact us and we will check the address for you.

What may the money be used for?
Our home repair loans and grants help very low income homeowners remove health and safety hazards, make needed repairs, and improve accessibility. Typical improvements include things like roof repair or replacement, insulation improvements, purchase or repair of a heating and cooling system, structural repairs, water/sewer connections, adding ramps, and other similar uses.

How much can I borrow?
The maximum outstanding loan amount cannot be more than $20,000.The maximum lifetime grant assistance is $7,500. Loan and grant assistance to a homeowner may not total more than $20,000.

What is the interest rate and payback period for home repair loans?
The Interest rate for a Rural Development Home Repair Loan is one-percent (1%). Repayment may be spread over a 20 year period to make monthly payments more affordable. There is no penalty for early payment. Grants do not have to be repaid if the recipient owns the home for at least three years after the grant is made.

Is there a deadline to apply?
No. You can apply whenever you are ready. Home repair loans and grants are made year round as long as funding is available.

How long does the application process take?
The time it takes will vary depending on your circumstances. Contact us for details.

How do I get started?
Please contact the USDA Rural Development office in your area. We will assist you through the application process from start to finish.