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Rural Housing: Housing Repair Loans and Grants
In order to be eligible for the loan program, you must be a homeowner who has very low income, and you must be a U.S. citizen or permanent resident who lives in a rural area. In order to be eligible for the grant program, you must meet the above requirements, and also be aged 62 years or older.
Loans of up to $20,000 and grants of up to $7,500 are available. Loans are for up to 20 years at 1 percent interest. A real estate mortgage is required for loans of $7,500 or more. Full title services are required for loans of $7,500 or more. Grants may be recaptured if the property is sold in less than three years. Loans and grants can be combined for up to $27,500 in assistance.
| 20 years | |
| 1% | |
| $20,000 | |
| Monthly | |
| No | |
| No |
To apply for a loan or grant online go to this site, or you may contact your State's Rural Development field office using this office locator tool.
For more information about the housing repair loan program, visit the USDA application site.
Go to Programs & Services for more on Rural Development Housing & Community Facilities Programs.
