USDA Rural Housing Direct Loan & Grant

Administered by U.S. Dept of Agriculture — Rural Development · rd.usda.gov

Provides very-low-income rural residents with home repair grants and 1% interest home loans. The Section 504 grant covers critical repairs for elderly homeowners.

Eligibility requirements

✓Rural area resident (town under 35,000)
✓Very low income
✓Homeowner (for repair grant)
✓Age 62+ preferred for grant portion

Insider tip

USDA defines 'rural' more broadly than you might think — many towns up to 35,000 qualify. The 1% interest rate loan is one of the best financing deals available anywhere.

How to apply

Apply directly on the official website. GrantLantern does not process applications — we link you directly to the source.

Apply at rd.usda.gov →

Opens the official source. GrantLantern is not affiliated with this program.

Program details sourced from official government and agency websites. Eligibility is determined by the administering agency — not GrantLantern. Verify current requirements at the official source before applying.

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