USDA Section 504 Home Repair Loan
USDA Rural Development
About This Program
The Grant Map catalogs USDA Section 504 Home Repair Loan in its Torrington, WY research directory. The record carries audience tags for homeowners; those tags do not establish eligibility or current service coverage.
Low-interest loans for very low-income rural homeowners to repair, improve, or modernize their homes. Available in qualifying rural areas including Torrington. Loans at 1% interest for up to 20 years.
Low-interest loan; monthly payment estimate based on 20-year term at 1%
Federal record normalized from a maintained federal layer; confirm current terms.
Record set last reviewed 2026-06-09. How we verify our data.
This is a national program. You can also review these local programs in Torrington, WY; confirm separately whether they can coordinate:
Key Details
- Loan up to $40,000 at 1% interest
- 20-year repayment term
- Income at or below 50% AMI required
- Must be in qualifying rural area
- Covers repairs, improvements, modernization
How to Apply
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Track this programProgram phone: (307) 233-6700
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 Torrington.
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: Rolling applications year-round
Questions about this program?
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Frequently asked questions
What audience tags are recorded for USDA Section 504 Home Repair Loan in Torrington?
The directory record carries audience tags for homeowners. It also carries a low-income 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 in Torrington, WY?
Confirm the application route directly with USDA Rural Development; use the cited source on this page as a starting point or call (307) 233-6700. Confirm any fee or cost with the administrator.
Need a Contractor for This Project?
Browse local listings or request an introduction. The Grant Map does not guarantee licensing, program experience, work quality, or funding.
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 Torrington, WY
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