United States Department of Agriculture: Program 101
Section 504 Home Repair Program
Single Family Housing Repair Loans and Grants
What does this program do?
Also known as the Section 504 Home Repair program, this provides loans to very-low-income homeowners to repair, improve or modernize their homes or grants to elderly very-low-income homeowners to remove health and safety hazards.
Who may apply for this program?
To qualify, you must:
Be the homeowner and occupy the house
Be unable to obtain affordable credit elsewhere
Have a family income below 50 percent of the area median income
For grants, be age 62 or older and not be able to repay a repair loan
What is an eligible area?
Applicants may check the address of their home to determine eligibility.
How may funds be used?
How much money can I get?
What are the terms of the loan or grant?
Is there a deadline to apply?
How long does an application take?
Approval times depend on funding availability in your area. Talk to a USDA home loan specialist in your area for help with the application
Who can answer questions and how do I get started?
In Beaufort, Hyde, Washington, and Dare counties contact the Greenville office at 252-752-2035 or 252-752-2880 or toll free at 844-325-6827. Email
In Craven and Pamlico counties contact the Kinston office at 252-526-9799 or 844-325-6827. Email
What governs this program?
The Housing Act of 1949 as amended, 7 CFR Part 3550
HB-1-3550 - Direct Single Family Housing Loans and Grants Field Office Handbook
Why does USDA Rural Development do this?
Helping people stay in their own home and keep it in good repair helps families and their communities. Homeownership helps families and individuals build savings over time. It strengthens communities and helps many kinds of businesses that support the local economy.