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Find similar grantsSection 504 Home Repair program - Grants to Elderly Very-Low-Income Homeowners is sponsored by USDA Rural Development. This program provides grants to very-low-income homeowners aged 62 or older to remove health and safety hazards from their homes.
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Section 504 Home Repair Program: Loans & Grants Guide What Is the Section 504 Home Repair Program? The Section 504 Home Repair Program offers low-interest loans to very-low-income homeowners for essential repairs or modernization. It also provides grants for homeowners 62 and older to cover necessary home repairs.
Vice President of Mortgage Operations The Section 504 Home Repair Program, also known as the USDA Single Family Housing Repair Loans and Grants program, helps very low-income homeowners maintain safe, livable homes. This program is a standalone from the USDA home loan program, and you do not need to have an existing USDA loan to use it.
Through the USDA Section 504 Home Repair Program, qualifying rural homeowners can access low-interest loans, and qualifying seniors can access grants that don’t require repayment if program conditions are met. Whether you have a leaky roof or an elderly parent needs a safer bathroom, the USDA Section 504 Home Repair Program makes it possible to address essential repairs without taking on unsustainable debt.
You can apply for this program through your local Rural Development office . What Kinds of Repairs Are Covered Under Section 504? Keep in mind that the Section 504 program is designed to cover repairs that significantly impact health, safety, and daily comfort, not fund cosmetic upgrades .
Eligible repairs may include fixing a leaking roof, removing a hazard that endangers your family, or adding features that help seniors move around more easily. As previously mentioned, grants focus on health and safety, especially for seniors who may live on fixed incomes. These funds are often used to make homes more accessible or to eliminate risks.
As such, a grant might fund a wheelchair ramp, grab bars in the bathroom, or new flooring to reduce fall hazards. For example, a senior who struggles to climb steep steps just to get inside their home. Loans through Section 504 can tackle a wide range of repairs meant to keep your home safe and functional.
That might mean repairing a foundation, replacing a roof, upgrading a furnace, or rewiring outdated electrical systems.
Let’s take a look at what kind of repairs Section 504 program loans and grants will and will not cover: Examples of Covered Repairs Loans (up to $20,000 at 1% interest, repayable over 20 years) Foundation repairs, Roof replacement, Furnace or heating system upgrades, Electrical rewiring Helps address major structural or safety issues Grants (up to $7,500, for homeowners age 62+) Repairs to eliminate hazards (unsafe steps, faulty wiring) Must be repaid if the home is sold within 3 years The program is limited to essential health and safety needs Pros and Cons of Section 504 Home Repair The USDA Section 504 Home Repair Program has real strengths and benefits, but it may not fit every project.
Knowing the advantages and limitations helps homeowners make an informed choice.
Opens the door to funding when other credit is out of reach Limited to very low-income households Grants available for homeowners 62 and older Loan and grant amounts may not cover major remodels Fixed 1% loan interest with up to 20 years to repay Directly addresses health and safety issues Property must be in a USDA-eligible rural area Loans and grants can be combined for larger projects Grants must be repaid if the homeowner sells the property within three years.
In short, the program best suits homeowners who face urgent safety concerns or essential repairs and cannot find reasonable financing elsewhere. For those situations, the pros often outweigh the cons, and the Section 504 option becomes a practical path to essential repairs. Who Is Eligible for the Section 504 Program?
Eligibility is straightforward, though some may consider the rules strict. To qualify for a loan through Section 504, homeowners must meet four main requirements. Household income must be below 50% of the median income in your area.
You must own and occupy the home as your primary residence. You must be unable to obtain affordable credit elsewhere. The property must be in a USDA-eligible rural area .
To qualify for a grant through Section 504, you must meet all of the above requirements, be 62 or older, and be unable to repay a loan. These guidelines ensure the USDA Section 504 home repair program reaches the households who need it most. Section 504 Grant Terms & Loan Amounts Before applying, it helps to understand exactly how much funding may be available and what the repayment guidelines look like.
The Section 504 program sets clear limits for both loans and grants, and knowing these details can make it easier to plan and carry out your project. Loans can be as high as $20,000, with repayment periods of 20 years and a fixed interest rate of just 1%. That means even a major repair like replacing a roof or rewiring a house becomes manageable.
Instead of putting it off and risking more damage, homeowners can address the issue and pay over time with peace of mind. Fortunately, these grants can provide up to $7,500. They are designed for seniors 62 and older who need safety improvements and cannot take on debt.
These funds are often used for urgent fixes like repairing unsafe flooring, addressing heating issues, or adding accessibility modifications, and do not have to be repaid. Combining Loans and Grants Some homeowners qualify for both, which can provide up to $27,500 in total funding. For example, a senior could use a grant to add a ramp and safer bathroom features, while also using a loan to cover roof replacement.
This option helps address multiple needs at once without stretching finances too thin. The Fine Print to Keep in Mind If a grant recipient sells their home within three years, the grant must be repaid. Loans follow USDA repayment guidelines and must be used for eligible repairs.
Keeping this in mind helps homeowners avoid surprises and plan ahead. How to Apply For the Section 504 Home Repair Program The Section 504 Home Repair Program application is accepted year-round, but because funding is limited, applying early improves your chances.
If you are interested in applying, here are the steps: Contact Your Local USDA Rural Development Office : A representative can walk you through the program and check eligibility. Find local offices in your state here . Gather Documentation: Collect proof of income and evidence of homeownership.
You also must show that you can’t obtain affordable financing from another lender. This could be a denial letter from a bank or credit union or proof that the only loans available to you come with high interest rates or terms you can’t afford. Check Location Eligibility : Use an online USDA property eligibility tool to confirm your home is in a qualifying rural area.
Complete and Submit Your Application : Turn in your Section 504 Home Repair Program application through your local Rural Development office. Some offices accept digital submissions for convenience. Respond to Follow Ups : The office may request contractor estimates, photos, or other documents.
Quick responses keep the process moving. With the right preparation, the Section 504 Home Repair Program application can move smoothly from start to finish. Many homeowners find the process less intimidating once they connect with their local USDA office and know what to expect.
Vice President of Mortgage Operations Lindsay joined Neighbors Bank as a Production Trainer in 2020 and brings over a decade of mortgage industry experience to her role. Passionate about solving challenges and driving impactful initiatives, she thrives on the ever-changing nature of her work and the opportunity to support both employees and borrowers.
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According to the current listing, eligibility includes: Homeowners who occupy the house, are unable to obtain affordable credit elsewhere, have a household income that does not exceed the very low limit by county, and are age 62 or older. Confirm the full requirements in the official notice before applying.
The current listing shows maximum $10,000 (up to $15,000 in presidentially declared disaster areas). Verify award ceilings, matching requirements, and allowable costs in the official notice.
Section 504 Home Repair program - Grants to Elderly Very-Low-Income Homeowners is funded by USDA Rural Development. Verify program details on the funder's official page before applying.
Start from the official opportunity page linked in this listing — it carries the sponsor's submission instructions.
This Notice of Funding Opportunity (NOFO) announces up to $10 million to support a National Fund Manager (NFM) to design and manage a Lead-Safe and Healthy Homes Financing Demonstration (the Fund). The Fund will be a national platform to pool public and private capital to accelerate the reduction of residential lead exposure, particularly childhood lead poisoning, and improve housing-related health conditions in low-income communities ("lead-safe and healthy homes activities").While HUD and EPA programs have addressed lead and other environmental hazards in many homes, progress remains slow relative to the scale of need. For example, since 1993, HUD has remediated lead hazards in over 230,000 low-income housing units, but tens of millions of U.S. households continue to face risk from lead and additional residential environmental stressors. Expanding access to private capital alongside public funding is critical to increasing the pace and scale of remediation.Traditional home repair financing remains difficult to access due to strict underwriting, high denial rates, and lender risk concerns, leaving many older homes in disrepair. The Fund will build upon successful local models that combine public and private resources and expand this approach nationally by aggregating capital and supporting local financing programs.The NFM will be responsible for leveraging the initial $10 million in public funds to raise private capital investments, structuring financing mechanisms, and providing technical assistance to support the Fund's operations. The NFM will also be responsible for the distribution of the funds through eligible activities by using no more than $1 million of the federal award for administrative activities, while deploying the remaining capital through loans, grants, and other financial products that flow to state, regional, and local governments and nonprofit organizations selected by the NFM. The NFM will select and enter into agreements with organizations, which will in turn provide financing for conducting lead-safe and healthy homes activities in homes of low-income homeowners and homes owned by small landlords, in low-income communities. HUD will maintain oversight through review of Fund structure, performance, and compliance rather than by participating in investment selection decisions.The organizations selected for funding by the NFM will ensure that the financing conditions require use of appropriately qualified contractors, laboratories, and financial entities in accordance with applicable Federal, state, and local requirements and this NOFO. The NFM will establish and oversee compliance, reporting, and quality assurance processes to ensure that lead-safe and healthy homes activities are performed and financed in accordance with program requirements. Funding Opportunity Number: LHC-2600-DC-0032. Assistance Listing: 14.922. Funding Instrument: CA. Category: HO. Award Amount: Up to $10M per award.
IA Resilience call reinforcing Europe's strenght in health is sponsored by European Commission — Horizon Europe. Expected Outcome: the proposals under this call are expected to address one or more of the following subjects : • Enhanced personalized monitoring, care and treatments, focusing on the development of highly customized healthcare solutions, including the required research and diagnostic tools, tailored to individual needs, covering various scenarios such as chronic disease management, physiotherapy, precision diagnosis, personalized medicine/treatment, pre- and postoperative care, and daily assistance in homes and common spaces. It also targets effective management of chronic diseases and elderly care through personalized monitoring and interventions facilitated by advanced sensor technologies and edge-to-cloud solutions. This includes the development and integration of solutions for Hospitalization at Home, enabling patients to receive complex, remotely supervised care using intelligent medical devices capable of sensing, analysing, and transmitting real-time data. This requires a continuum, from in-hospital diagnostics to robust, long-term patient support at home via AI-driven care pathways and hospitalization at home. • Prevention and treatment of diseases, allowing the improved scientific understanding, early detection and proactive prevention of diseases through scientific research, continuous monitoring, predictive analytics, and timely alerts, possibly powered by AI algorithms. This preventive approach enables early intervention and significantly reduces risks associated with many illnesses such as viral infections (e.g. epi- and pan demics), cardiovascular diseases, diabetes complications affecting the health of the young and old. • Efficient, scalable, and cost-effective healthcare, demonstrating how ECS-based technologies can streamline clinical workflows, reduce administrative burdens, and improve resource allocation in healthcare systems. This includes automation and intelligent operations management across clinical, diagnostic, and homecare settings, ultimately improving cost-effectiveness and scalability. • Secure and compliant healthcare continuum, including solutions that ensure robust data protection and regulatory compliance (e.g. GDPR), particularly in handling sensitive health data. Projects should adopt privacy-by-design principles and implement secure data handling architectures using localized edge computing, encryption, authentication, and anonymization strategies within both clinical and assisted living environments. • Seamless interoperability across devices, systems, and platforms, addressing the integration of heterogeneous systems across the edge-to-cloud continuum. Solutions should rely on open standards and modular architectures to ensure interoperability, flexibility, and adaptability across various healthcare settings and use cases, fostering a unified European health-tech ecosystem. Programme areas: Horizon Europe (HORIZON), Global Challenges and European Industrial Competitiveness, Digital, Industry and Space
This is a notice of funding opportunity (NOFO) for the OJP FY 2026 Special Attorneys Program. This program will support state, local, Tribal, and territorial prosecuting agencies to assign or hire qualified prosecutors to serve full-time or part-time (on a case-by-case basis) as Special Attorneys under the direction of the National Fraud Enforcement Division or the Criminal Division, or to serve as Special Assistant United States Attorneys (SAUSAs) within a United States Attorney’s Office. These “cross-designated” prosecutors will remain employees of their home agencies but will investigate and prosecute assigned fraud and other crimes committed by aliens within the United States (hereafter referred to as “criminal aliens”) for the duration of their appointment under this program. Cross-designated prosecutors may also be assigned cases involving drug or human trafficking committed within the United States. The National Fraud Enforcement Division, Criminal Division, and United States Attorney’s Offices will coordinate with selected prosecutor offices on a case-by-case basis to address logistics and any unique local circumstances. This grant program, authorized under Public Law 119-21, Title X, Subtitle A, Part II, Section 100055 (codified at 34 U.S.C. § 61101), is intended to strengthen investigative and prosecutorial capacity, expand intergovernmental coordination, and enhance the ability of jurisdictions to investigate and prosecute fraud and other crimes committed by aliens within the United States, as well as investigate and prosecute drug and human trafficking crimes. The program is also intended to increase the availability of cross-designated prosecutorial personnel who can pursue these matters in coordination with federal authorities and contribute to the effective enforcement of applicable criminal laws. Funding Opportunity Number: O-BJA-2026-172719. Assistance Listing: 16.076. Funding Instrument: CA. Category: LJL. Award Amount: Up to $3M per award.
USDA's Rural Decentralized Water Systems Grant funds nonprofits to capitalize a revolving loan fund for household wells and septic systems: 1 percent fixed, 20-year terms, $15,000 maximum per household. The application window closes September 30, 2026. The program is chronically under-subscribed for one structural reason — the 10 percent priority-point contribution cannot be in-kind. Here is the full instrument analysis and what it takes to win.
Read articleWhile applicants chase fixed federal deadlines, USDA Rural Development keeps roughly $4.1 billion moving through programs with no deadline at all — Community Facilities, Water & Waste Disposal, and Business & Industry loans that accept applications year-round. But 2026 brought a quiet shake-up: REAP grants paused, RBDG's competitive window closed. Here is the map of what's open, what's frozen, and how rural organizations should work a rolling pipeline.
Read articleOn July 2, 2026, USDA Rural Development rescinded the FY2025 RCDI funding notice to rewrite it around new policy priorities — voiding pending applications for a small-but-strategic program that builds the capacity of rural nonprofits. Here is what RCDI funds, why the mid-cycle pull fits a larger 2026 pattern, and the concrete moves intermediaries should make now so they are ready the day a new NOFO drops.
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