Who can apply?

To qualify, you must:

• Be the homeowner and occupy the house
• Be unable to obtain affordable credit elsewhere
• Have a family income within the very-low-income limit
• For grants, be age 62 or older

What is an eligible area?

Properties must be located in an eligible rural area. You can visit the USDA Income and Property

Eligibility website (available at this link: https://go.usa.gov/xzcdM) for complete details.

How can funds be used?

• Loans can be used to repair, improve, or modernize homes, or to remove health and safety hazards.
• Grants must be used to remove health and safety hazards.

How much money can I get?

• Maximum loan is $40,000.
• Maximum grant is $10,000.
• Maximum grant if repairing a home damaged in a presidentially declared disaster area is $15,000.
• Loans and grants can be combined for up to $50,000 in assistance.

Is there a deadline to apply?

Applications are available year-round as long as funding is available, and are processed in the order they are received.

How do I get started?

Contact a USDA home loan specialist (information is available at this link: rd.usda.gov/browse-state) in your area.

Eligibility	Be the homeowner and occupy the house Be unable to obtain affordable credit elsewhere Have a family income within the very-low-income limit For grants, be age 62 or older Properties must be located in an eligible rural area. You can visit the USDA Income and Property
Community Services	Basic Needs / Assistance Financial Assistance / Referrals Housing / Shelter
Areas Served	State-Wide

Last Updated: 06/08/26