USDA Section 504 Home Repair Loans & Grants
USDA Rural Development
About This Program
The Grant Map catalogs USDA Section 504 Home Repair Loans & Grants in its Birmingham, AL 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% interest to very-low-income homeowners in eligible rural areas to repair, improve, or modernize their homes, along with grants up to $10,000 (combined limit $50,000) to homeowners age 62+ to remove health and safety hazards. Alabama is one of 25 states selected for an expanded pilot program through December 2026.
Loan (1% interest): up to $40,000; Grant (age 62+): up to $10,000; combined max $50,000.
Federal record normalized from a maintained federal layer; confirm current terms.
Record set last reviewed 2026-07-20. How we verify our data.
This is a national program. You can also review these local programs in Birmingham, AL; confirm separately whether they can coordinate:
Key Details
- Must be in an eligible rural area (verify at USDA eligibility map)
- Very-low income required (below 50% AMI)
- Loans up to $40,000 at 1% interest
- Grants up to $10,000 for homeowners age 62+ (safety hazard removal)
- Alabama pilot program active through December 2026
How to Apply
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Track this programProgram phone: 800-414-1226
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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: Open through December 2, 2026 (pilot); contact local RD office
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Frequently asked questions
What audience tags are recorded for USDA Section 504 Home Repair Loans & Grants in Birmingham?
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 Loans & Grants in Birmingham, AL?
Confirm the application route directly with USDA Rural Development; use the cited source on this page as a starting point or call 800-414-1226. Confirm any fee or cost with the administrator. Deadline: Open through December 2, 2026 (pilot); contact local RD office.
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