The program helps very-low-income homeowners repair, improve, or modernize single-family homes and remove health and safety hazards, supporting safer independent living at home.
Eligible applicants must be US citizens or permanent residents who own-occupy rural homes, meet very-low-income limits, lack affordable credit, and for grants be 62+.
Loans can reach $40K over 20 yr with no down payment; grants reach $10K, with combined help up to $50K for eligible homeowners.
Loan funds can cover repairs, upgrades, or additions, while grants focus on health, safety, winterization, wiring, and accessibility changes like ramps for residents.
Start with a home loan specialist or county field office; applications are accepted year-round while funding lasts, and review timing depends on local availability.