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 Virginia Beach, VA 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 low-interest loans and grants to very low-income rural homeowners for home repairs and improvements. Grants up to $10,000 are available for homeowners age 62+ who cannot repay a loan; loans up to $40,000 at 1% interest for those who can. Combined assistance up to $50,000. Virginia Beach urban properties generally do not qualify, but rural fringe areas may, verify address at usda.gov/eligibility.
Estimate for eligible senior in qualifying rural fringe area combining loan and grant
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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 Virginia Beach, VA; confirm separately whether they can coordinate:
Key Details
- Grants up to $10,000 for homeowners age 62+ (very low income)
- Loans up to $40,000 at 1% interest for low-income owners
- Combined loan + grant up to $50,000
- Must verify property is in USDA-eligible area at rd.usda.gov
- Most Virginia Beach urban addresses do not qualify, check fringe areas
How to Apply
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Track this programProgram phone: 804-287-1550
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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, contact USDA Rural Development Virginia state office
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Frequently asked questions
What audience tags are recorded for USDA Section 504 Home Repair Loan & Grant in Virginia Beach?
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 Virginia Beach, VA?
Confirm the application route directly with USDA Rural Development; use the cited source on this page as a starting point or call 804-287-1550. Confirm any fee or cost with the administrator.
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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 Virginia Beach, VA
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