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Using USDA Rural Repair and Rehabilitation Grants to Make Home Modifications for the Elderly
USDA Rural Repair and Rehabilitation Grant Description
This USDA Rural Development program provides loans and grants to low-income, rural homeowners to make home modifications for elderly or disabled residents to improve safety and remove health hazards. While both grants and loans are available, grants are only given to those who are considered unable to repay a loan.
Also of note is the USDA Individual Water and Waste Grant. However, these are available only in 4 states, Arizona, California, New Mexico, and Texas. In addition, they are available only for water and waste improvements. However the re-modeling of a bathroom to make it accessible for a disabled, elderly individual would be considered an eligible rehabilitation.
When researching different assistance options it is often confusing because many programs have multiple names. The USDA Rural Development program is also referred to as:
-Section 504 program
-Very Low-Income Housing Repair program
-RD 504 Loan program
When researching different assistance options it is often confusing because many programs have multiple names. The USDA Rural Development program is also referred to as:
-Section 504 program
-Very Low-Income Housing Repair program
-RD 504 Loan program
USDA Rural Repair and Rehabilitation Grant Qualifications
There are geographic and age requirements to participate in the USDA Rural Development Grant program. Homeowners must be at least 62 years of age and live in rural areas of the country. Typically a rural area is defined as having a population of less than 10,000 persons. For a state by state and county by county list of eligible areas, visit this website.
There are also income limits. Individuals must have income at such a level that they are unable to obtain loans from other organizations. Typically this is defined as an annual income of less than 50% of the median income for the area. For a state by state and county by county income limits, visit this webpage.
There are also income limits. Individuals must have income at such a level that they are unable to obtain loans from other organizations. Typically this is defined as an annual income of less than 50% of the median income for the area. For a state by state and county by county income limits, visit this webpage.
USDA Rural Repair and Rehabilitation Grant Benefits
The maximum USDA Rural Development Grant amount is $7,500. There is a requirement that states the grant must only be used repairs and improvements for the health and safety of the occupants. In addition, if the home is sold within 3 years of receiving the grant, then the USDA can collect repayment from grantee’s home sale proceeds.
The maximum loan amount is $20,000 with a repayment period of up to 20 years.
The maximum loan amount is $20,000 with a repayment period of up to 20 years.
How to Apply for a USDA Rural Repair Grant
Interested individuals can take an eligibility test for the USDA Rural Development grant here. To apply, one should contact their local USDA Service Center.
Use our Eldercare Financial Resource Locator Tool to find other public and private programs that can help pay for or reduce the costs of long term care for the elderly.
