USDA Section 504 Single Family Housing Repair Loan

USDA Rural Development

Available Home Repair

About This Program

USDA Section 504 Single Family Housing Repair Loan is available to homeowners in Charlotte, NC.

USDA Section 504 loans provide up to $40,000 at 1% interest over 20 years to very low-income homeowners in eligible rural areas for essential home repairs. Note: Charlotte proper is generally not in an eligible rural area, but some surrounding Mecklenburg and nearby county unincorporated areas may qualify. Loans and grants can be combined for up to $50,000 in assistance.

Estimate assumes a mid-range loan for a qualifying rural property.

Federal program, maintained from the official federal source.

Data last verified 2026-04-03. How we verify our data.

This is a national program. In Charlotte, NC, you can stack it with local programs like these:

Key Details

  • Income limit: 50% AMI (very low income)
  • Loan: up to $40,000 at 1% fixed, 20-year term
  • Only available in USDA-eligible rural areas, verify address eligibility at rd.usda.gov/maps
  • Can combine with Section 504 grant for up to $50,000 total
  • Contact USDA RD NC State Office or Charlotte area office for eligibility check

How to Apply

Get free help applying Visit Official Program Page Track this program

704-344-6453

A grant-savvy contractor in Charlotte, NC can handle the paperwork, inspections, and timelines so your funding releases on schedule. Getting matched is free.

You will likely need a contractor to apply

Projects like this almost always need a licensed contractor, and many grants ask for a written estimate as part of your application. Lining up a contractor in Charlotte early keeps your application moving.

Get matched with a contractor

Each program sets its own contractor rules. Check the official program page for exact requirements.

Your application paperwork

Form to file: USDA Form RD 410-4 (with RD 3550-1 and RD 3550-4)

Very low income rural homeowners can get a loan to repair or modernize their home, and homeowners age 62 and older can get a grant to remove health and safety hazards. Loans and grants combine up to 50,000 dollars, with grants capped at 10,000 dollars. You apply through your local USDA Rural Development office.

Steps to apply

  1. Check that your address is in an eligible rural area on the USDA eligibility site.
  2. Contact your local USDA Rural Development office.
  3. Complete the application packet (Form RD 410-4, plus RD 3550-1 and RD 3550-4).
  4. USDA verifies your income, age, and eligibility, then approves the repair work.
Get the official formDownload the fillable PDF

Documents you will likely need

  • Proof you own and live in the home.
  • Income verification for your household.
  • Proof of age (for the grant, age 62 or older).
  • Estimates for the repair work.
Download this checklist (PDF)

Requirements vary by program and locality. Confirm the exact rules on the official program page. We can help you prepare your paperwork, but you submit it yourself.

Deadline: Rolling, contact USDA RD Charlotte office

Questions about this program?

Ask us. It is free, and a real person answers within a business day.

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Frequently asked questions

Who qualifies for USDA Section 504 Single Family Housing Repair Loan in Charlotte?

USDA Section 504 Single Family Housing Repair Loan is open to homeowners in Charlotte, NC. It prioritizes low-income households.

How do I apply for USDA Section 504 Single Family Housing Repair Loan in Charlotte, NC?

Apply directly with USDA Rural Development using the official program link on this page or call 704-344-6453. There is no middleman and no fee.

Need a Contractor for This Grant?

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