USDA Section 504 Home Repair Loan & Grant
USDA Rural Development
About This Program
The Grant Map catalogs USDA Section 504 Home Repair Loan & Grant in its Albuquerque, NM research directory. The record carries audience tags for homeowners; those tags do not establish eligibility or current service coverage.
USDA Rural Development's Section 504 program provides loans up to $40,000 at 1% fixed interest (20-year term) and grants up to $10,000 to homeowners age 62+ to remove health and safety hazards. Loans and grants can be combined for up to $50,000. Properties must be in eligible rural areas, use the USDA eligibility map to verify your address.
Grants up to $10,000 for elderly; loans at 1% over 20 years. Combined maximum of $50,000 for eligible projects.
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Record set last reviewed 2026-04-03. How we verify our data.
This is a national program. You can also review these local programs in Albuquerque, NM; confirm separately whether they can coordinate:
Key Details
- Must own and occupy home in eligible rural area (verify at eligibility.sc.egov.usda.gov)
- Grants up to $10,000 for homeowners age 62+ to remove health/safety hazards
- Loans up to $40,000 at 1% fixed interest, 20-year term
- Very low income required (≤50% AMI)
- NM USDA Rural Development Office: 505-761-4950
How to Apply
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Track this programProgram phone: 505-761-4950
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You may need a contractor or estimate
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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
- Check that your address is in an eligible rural area on the USDA eligibility site.
- Contact your local USDA Rural Development office.
- Complete the application packet (Form RD 410-4, plus RD 3550-1 and RD 3550-4).
- USDA verifies your income, age, and eligibility, then approves the repair work.
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.
Requirements vary by program and locality. Confirm the exact rules and application route with the administrator. We can help you prepare your paperwork, but you submit it yourself.
Deadline: Rolling
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Frequently asked questions
What audience tags are recorded for USDA Section 504 Home Repair Loan & Grant in Albuquerque?
The directory record carries audience tags for homeowners. It carries a senior-related tag. These tags do not establish eligibility; confirm the complete current rules with the administrator.
How do I apply for USDA Section 504 Home Repair Loan & Grant in Albuquerque, NM?
Confirm the application route directly with USDA Rural Development; use the cited source on this page as a starting point or call 505-761-4950. Confirm any fee or cost with the administrator.
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