HUD and Rural Development Programs
Home repairs and renovations can be costly, but government grants can help homeowners, especially low-income families, seniors, and those in rural areas, afford necessary improvements. Programs offered by the U.S. Department of Housing and Urban Development (HUD) and the U.S. Department of Agriculture (USDA) provide financial assistance for home repairs, safety upgrades, and energy-efficient renovations.
This guide will explain the available grants, eligibility requirements, and how to apply.
HUD Home Repair and Renovation Grants
The U.S. Department of Housing and Urban Development (HUD) offers several programs to help homeowners repair and improve their homes.
Single Family Housing Repair Loans & Grants (Section 504 Home Repair Program)
This program provides financial assistance to low-income homeowners, especially seniors aged 62 or older, to fund essential home repairs, remove health hazards, and improve accessibility. Homeowners may receive up to $10,000 in grants and $40,000 in loans at a 1% interest rate. Applications can be submitted through the USDA Rural Development office or local housing agencies.
HOME Investment Partnerships Program
This program supports low-income homeowners, local governments, and nonprofits in funding home repairs, upgrades, and affordable housing development. The grant amount varies depending on location and income level, and applications can be made through local or state HUD housing agencies.
Community Development Block Grants (CDBG)
CDBG funds help low- to moderate-income homeowners and communities by covering home repairs, neighborhood improvements, and housing assistance. The grant amount depends on the city or state, and homeowners should apply through local housing agencies or city development offices.