USDA Section 504 Home Repair Grant & Loan
USDA Rural Development
About This Program
The Grant Map catalogs USDA Section 504 Home Repair Grant & Loan in its Richmond, VA research directory. The record carries audience tags for homeowners; those tags do not establish eligibility or current service coverage.
Grants up to $10,000 for homeowners age 62+ in eligible rural areas. Loans up to $40,000 at 1% interest. Check USDA eligibility map, some Richmond suburban/exurban areas (Henrico, Chesterfield outer zones) may qualify. Remove health/safety hazards.
Age 62+, very low income, eligible rural/suburban area
Federal record normalized from a maintained federal layer; confirm current terms.
Record set last reviewed 2026-04-01. How we verify our data.
This is a national program. You can also review these local programs in Richmond, VA; confirm separately whether they can coordinate:
Key Details
- Grant: age 62+, very low income only
- Loan: 1% interest, 20-year term
- Check USDA eligibility map for Richmond-area zip codes
How to Apply
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Track this programProgram phone: 804-287-1552
Some programs require contractor estimates, licenses, or inspections. A cited link may be general, so confirm the current rules with the administrator before hiring; a directory match does not guarantee contractor eligibility or funding.
You may need a contractor or estimate
Some programs for this project type ask for a license, inspection, or written estimate. Confirm the rule before contacting a contractor in Richmond.
Get matched with a contractorEach administrator sets its contractor rules. Confirm exact requirements directly; the cited URL may be a general agency page.
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: Year-round while funded
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Frequently asked questions
What audience tags are recorded for USDA Section 504 Home Repair Grant & Loan in Richmond?
The directory record carries audience tags for homeowners. It also carries a low-income tag. 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 Grant & Loan in Richmond, VA?
Confirm the application route directly with USDA Rural Development; use the cited source on this page as a starting point or call 804-287-1552. Confirm any fee or cost with the administrator.
Need a Contractor for This Project?
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More ways to save on this project
Rebates and discounts that may reduce project cost. Confirm eligibility and coordination rules before including one in your budget.
Find More Programs in Richmond, VA
This is one of several kinds of assistance that may be available. Review other programs separately and confirm whether their administrators allow coordination for the same work.
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