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Home Repair Loan and Grant Program

For very low income families who own homes in need of repair, the Home Repair Loan and Grant Program offers loans and grants for renovation. The Home Repair Program also provides funds to make a home accessible to someone with disabilities.

Money may be provided, for example, to repair a leaking roof; to replace a wood stove with central heating; to construct a front-door ramp for someone using a wheelchair; or to replace an outhouse and pump with running water, a bathroom, and a waste disposal system.

Homeowners 62 years and older are eligible for home improvement grants. Other low income families and individuals receive loans at a 1% interest rate directly from USDA RD.

 

Home Repair Loans and Grants

Objective
To help very-low income applicants remove health and safety hazards or repair their homes.

Applicant
Families and individuals who currently own their home apply to Rural Development.

Uses
Loan and grand purposes include:  winterizing, purchase or repair of heating system, structural repair, water/sewage connect fees and similar uses.

Population
Rural areas and populations of 10,000 or less.

Loan/Grant
Direct loan and grant

Terms/Conditions
Terms to 20 years at 1 percent.  Assistance to individual may not exceed $20,000. Grants available to applicants 62 years or older with limited income. Maximum grant is $7500.

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