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 Rural Development
Home Repairs Loans and Grants

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Purpose:  What is the Program's Goal?  To help very-low income homeowners remove health and/or safety hazards and repair their homes.

Program Type:  How does it work?  USDA Rural Development makes loans or grants to homeowners. 

Eligible Applicants:  Who can apply? Very-low income families and/or individuals who currently own their home and cannot obtain conventional financing can apply.

Eligible Areas:  Unincorporated rural areas in Colorado, cities and towns with populations of 10,000 or less.  Certain areas with populations of 10,000 to 20,000 may also be eligible.  

Authorized Purposes:  What can funds be used for?  Loan and grant funds can be used for:  winterizing, purchase or repair of heating system, structural repair, insulation, electrical repairs, water/sewage connect fees, and other housing improvements.

Typical Amount of Assistance:   Loan assistance to individuals may not exceed $20,000.  Grants are only available to applicants 62 years or older with limited income.  Maximum lifetime grant amount is $7500.

Rates & Terms (rates subject to change):  1%, up to 20 years for loans. 

Key to Success:  Applicant must have limited resources and be unable to get credit elsewhere.

When to Apply: Year-round.  Government funding is on a fiscal year basis, October to September.  

Who to Contact:  Program is administered through Local Rural  Development Offices.  Locate your nearest USDA-Rural Development Office.


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Last Revised 04/10/2009 - Contact the webmaster