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 Oak Park, MI.

Federal program providing very low-interest loans (1% fixed) and grants for home repairs in eligible rural areas. Loans up to $40,000 available to very low-income homeowners; grants up to $10,000 for seniors age 62+ who cannot repay a loan. Oak Park is not classified as rural, but homeowners should verify eligibility.

Grants for seniors 62+; loans at 1% fixed rate for others

Federal program, maintained from the official federal source.

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

This is a national program. In Oak Park, MI, you can stack it with local programs like these:

Key Details

  • Loan up to $40,000 at 1% interest
  • Grant up to $10,000 for seniors 62+
  • Very low income required (50% AMI or below)
  • Must be unable to obtain affordable credit
  • Oak Park likely ineligible (not rural area)

How to Apply

Get free help applying Visit Official Program Page Track this program

(517) 324-5190

A grant-savvy contractor in Oak Park, MI 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 Oak Park 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: Year-round 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 Oak Park?

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

How do I apply for USDA Section 504 Home Repair Loan & Grant in Oak Park, MI?

Apply directly with USDA Rural Development using the official program link on this page or call (517) 324-5190. 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 Oak Park, MI contractors

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