Rural Housing: Housing Repair Loans and Grants

Program Description
The Rural Housing Repair Loans and Grants program provides loans and grants to very low-income homeowners to repair, improve, modernize, or to remove health and safety hazards in their rural dwellings. Loans are arranged for up to 20 years at 1% interest. Grants may be arranged for recipients who are 62 years of age or older and can be used only to pay for repairs and improvements to remove health and safety hazards. Loan/grant combinations may be arranged for applicants who can repay part of the cost. Very low-income for this program is defined as below 50 percent of the area median income.

General Program Requirements
The Very Low-Income Housing Repair program provides loans and grants to very low-income homeowners to repair, improve, or modernize their dwellings or to remove health and safety hazards. Furthermore, you must be a US citizen or permanent resident who lives in a rural area.

Loan Terms
Loans of up to $20,000 and grants of up to $7,500 are available. Loans are for up to 20 years at 1 percent interest. A real estate mortgage is required for loans of $2,500 or more. Full title services are required for loans of $7,500 or more. Grants may be recaptured if the property is sold in less than three years. Loans and grants can be combined for up to $27,500 in assistance

Application Process
For more information, see the Program Contact Information below.

Contact Information (Register above for free access!)

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For more information about the housing repair loan program, visit:

http://www.rurdev.usda.gov/rhs/

If you are 62 years or older, you may qualify for a housing repair grant. For more information about this program, visit:

http://www.rurdev.usda.gov/rhs/

To apply for a loan or grant online go to: http://www.sc.egov.usda.gov, or you may contact your state's Rural Development field office using this office locator tool:

http://www.rurdev.usda.gov/recd_map.html

Managing Agency
U.S. Department of Agriculture
http://www.usda.gov/

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