USDA Section 504 Home Repair Loan & Grant

USDA Rural Development

Available Home Repair

About This Program

USDA Section 504 Home Repair Loan & Grant is available to homeowners in Narragansett, RI.

Federal program offering loans and grants to very low-income rural homeowners to repair, improve, or modernize their homes, with grants available for seniors age 62+ to remove health and safety hazards.

Combined loan and grant potential for eligible applicants

Data last verified 2026-06-09. How we verify our data.

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

Key Details

  • Loans up to $40,000 at 1% interest
  • Grants up to $10,000 for seniors 62+
  • For very low-income rural homeowners
  • Removes health and safety hazards
  • May qualify for both loan and grant

How to Apply

Get free help applying Visit Official Program Page Track this program

(401) 826-0842

A grant-savvy contractor in Narragansett, RI 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 Narragansett 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

Documents you will likely need

  • Proof you own and live in the home (deed, recent mortgage statement, or property tax bill).
  • A government-issued photo ID for every owner on title.
  • Household income proof (recent pay stubs, last year's tax return, or benefit award letters for everyone in the home).
  • Proof of age (driver's license or birth certificate) if the program is age-based.
  • A written estimate from a licensed contractor for the work (many programs require this to apply).
  • Photos of the problem area or the work to be done.
  • The program's own application form, completed (use the official link or phone number on this page).
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 applications

Questions about this program?

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

Email us about this program

Frequently asked questions

Who qualifies for USDA Section 504 Home Repair Loan & Grant in Narragansett?

USDA Section 504 Home Repair Loan & Grant is open to homeowners in Narragansett, RI. It prioritizes low-income households. It serves seniors.

How do I apply for USDA Section 504 Home Repair Loan & Grant in Narragansett, RI?

Apply directly with USDA Rural Development using the official program link on this page or call (401) 826-0842. There is no middleman and no fee.

Need a Contractor for This Grant?

Grant-approved contractors understand the documentation, inspections, and timelines, so your funding releases on schedule.

Get matched with a pro, free Browse Narragansett, RI contractors

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