Single Family Housing Repair Grants

Single Family Housing Repair Grants also known as Section 504 Home Repair program from the 7 CFR Part 3550 of the Housing Act of 1949. It primarily assists and supports low-income individuals as well as the elderly ones for the renovation and improvement of their respective homes.

The said program can provide both loans and grants for eligible beneficiaries. Section 504 Home Repair Loan is given for low-income individuals while Section 504 Home Repair Grant is given for low-income elderly.

These individuals are those who want to repair and improve their homes but aren’t financially stable for the expenses throughout the project. Moreover, the said initiative will also help each qualified household to maintain a decent, safe, and hazard-free home.

Additional Funds for the Single Family Housing Repair

The U.S. Department of Agriculture in Rural Development mainly manages and handles the Single-Family Housing Repair Loan and Grant.

However, each state has a Local Rural and Development Office that caters to and assists individuals who want to apply for the said initiative.

The American Rescue Plan (ARP) Act of 2021 provided additional funds for the Single-Family Housing Repair Loan and Grant as assistance for families that are impacted by the pandemic. The said program will focus on existing Section 502 direct and Section 504 borrowers who received payment moratorium related to the Covid-19.

Additional information regarding existing Section 502 direct and Section 504 borrowers can be seen through USDA official website

Moreover, the said initiative will last until September 20, 2023, this means that the agency can support more individuals in need upon repairing and renovating their homes.

How Much Can You Get If You're Elgible?

The amount of assistance from the Single-Family Housing Repair Loan and Grant may vary based on the qualifications of a household. However, the USDA Rural Development ensures that each eligible household will get a sufficient loan or grant for the renovation of their home.

In terms of loans, a qualified household can receive a maximum of $20,000. On the other side, $7,500 is the maximum amount of benefit from the said initiative. Also, there can be a possible combination of loan and grant that can reach $27,500 of financial assistance.

There may be a huge difference between the loan and grant amount but it will be the choice of the household. Remember that grants are just given to the elderly with the age of 62 and above. Moreover, loans require their beneficiaries to repay while grants are completely free.

However, some states offer a higher amount of loans and grants for individuals who lives within the state’s rural area under the Single-Family Housing Repair Loan and Grant. The amount will depend on the Local Office of each state.

Refer to the list below for the list of stats that offers a higher amount of financial assistance for the said program.

  • California
  • Iowa
  • Hawaii
  • Illinois
  • Washington
  • Maine
  • Indiana
  • Kentucky
  • South Carolina
  • Michigan
  • Mississippi
  • Texas
  • Pennsylvania
  • New York
  • New Jersey
  • New Mexico
  • North Carolina
  • Oregon
  • Puerto Rico
  • Tennessee
  • Virginia
  • West Virginia

Beneficiaries must use the funds from the loan in any form of renovation, improvement,  and enhancement of their respective homes. For grants, it should be used to remove the health and safety hazards within the house.

Terms for the Single Family Housing Repair Grants

The set terms for the Single-Family Housing Repair Loan and Grant will apply throughout the United States. Refer to the terms of loans and grants of the said initiative.

  • 20 years is the maximum payment period for loans.
  • 1% is the fixed interest for loans.
  • Loans that cost more than $7,500 will require a full-service title.
  • $7,500 is the lifetime limit for the grant.
  • Beneficiaries must repay the grant if they sold the property within 3 years.
  • Individuals who cannot repay the full amount of grants can be offered a combination of loan and grant.

Who are the Qualified Individuals for the Single Family Housing Repair

The qualification rules for the Single-Family Housing Repair Loan and Grant apply for all of the states and territories of the United States. However, the state’s Local Office may set further eligibility requirements.

Individuals who are not able to meet the said qualification will be ineligible for the said initiative. Refer to the list below for the qualification rules for the Single-Family Housing Repair Loan and Grant.

  1. Must be a homeowner and occupy a house.
  2. Must obtain credit somewhere else.
  3. Household income must be under 50% of the Area Median Income. Check your income eligibility at USDA official website.
  4. The address of the home must be located within eligible areas.
  5. Individuals whose age is 62 and above are qualified for the grant program.

How Can I Apply?

The application for the Single-Family Housing Repair Loan and Grant is to be done at your Local State Office.

Viste USDA Official website to check the address of your Local State Office. Just get in touch through your application process for the said program.

The approval time will depend on the availability of funds within your area. If you have queries for the Single-Family Housing Repair Loan and Grant, you can contact and ask your Local USDA Loan Specialist.

Within the application process, your Local State Office may request some documents.  Refer to the list below for the required document for the application of Single-Family Housing  Repair and Loan.

Remember to always ensure the validity of the documents that you will pass to avoid such problems.

  • Form RD 410-4 (Uniform Residential Loan Application)
  • Form RD 3550-1 (Request for Information)
  • Form RD 3550-4 (Employment and Asset Certification)
  • Further requirements will depend on your Local State Office.
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