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U.S. Department of Agriculture, Rural Housing Service

Very Low-Income Housing Repair Loans and Grants

Federal program · program number 10.417 (the federal Assistance Listing number) · also called “(Section 504 Rural Housing Loans and Grants)”

Key facts

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1 grant
Type of help
Project grant, loan
Typical award
FY 2023 average grant amount is $8,029. FY 2024 average grant amount is $11,618. FY 2023 average loan amount is $7,301. FY 2023 average loan amount is $8,927.

This program offers loans or loan guarantees, which must be repaid.

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What it pays for

Improve quality of life for very low-income owner-occupants in rural areas.

Who can apply

Applicants must own and occupy a home in a rural area; and be a citizen of the United States or reside in the United States after having been legally admitted for permanent residence. Loan recipients must have sufficient income to repay the loan. Grant recipients must be 62 years of age or older and be unable to repay a loan for that part of the assistance received as a grant. Applicant's income may not exceed the very low-income limit set forth in RD Handbook.

Match

None required (federal program listing).

Examples of funded projects

Fiscal year 2025: Funds have been used to replace furnaces and roofs, install entry ramps, and more.

Official program listing (SAM.gov) Program website