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504 Housing Disaster Pilot Eligibility Updated

Single Family Housing Maine
Release Date

USDA Rural Development has a program to help homeowners with very low incomes make home repairs after storms. It is called the 504 Disaster Pilot program. The program helps people in eligible rural areas whose homes were damaged during specific storms by providing grants and loans to help pay for repairs. 

Congressed appropriated funding for USDA in March of 2024 and reduced some funding. Resulting cuts in funding meant that USDA needed to reduce the size of grants it can award and make grants available only to those over age 62 as of May 20204. Homeowners 18 and older can still apply for low-interest loans. 

If your home was damaged during a storm that was part of a presidentially declared disaster, contact USDA Rural Development (details below) to find out if you might be eligible.

Quick facts:

  • The program covers storms that happened between July 18, 2022 and July 2025.
  • USDA Rural Development offers home repair 20 year loans at 1% interest.
  • Eligible homeowners age 18 and older may apply for loans.
  • Homeowners 62 and older can apply for grants up to $15,000.
  • The program may be able to reimburse homeowners for emergency repairs that they already paid for.
  • This program can help cover the cost of moving a mobile home.
  • USDA does not use the FEMA designations of “Individual Assistance” and “Public Assistance.” The damaged home must be in a presidentially declared disaster area (regardless of the FEMA individual/public designation) to qualify.

How to apply:

For more information about eligibility or how to apply for the Section 504 Disaster Pilot or other USDA RD Single Family Housing programs, you can email SFHMaine@USDA.gov. To find out where your nearest USDA Rural Development office is located, call 207-990-9100 x4. 

You can also call your nearest USDA Rural Development office directly:
Bangor Area Office
1423 Broadway Suite 3    
Bangor ME 04401-2468
Telephone: (207) 990-3676 x4  

Lewiston Area Office
254 Goddard Road    
Lewiston ME 04240-1000    
Telephone: (207) 753-9400 x4

Presque Isle Area Office
735 Main Street Suite 1    
Presque Isle ME 04769-2285
Telephone: (207) 764-4157 x4

Scarborough Area Office
306 US Route 1 Suite B1    
Scarborough ME 04074-7640    
Telephone: (207) 883-0159 x4

Maine Presidentially Declared Disasters
Included in the 504 Disaster Pilot:

1.    January 9-13, 2024. Counties included: Cumberland, Hancock, Knox, Lincoln, Sagadahoc, Waldo, Washington, and York.
2.    December 17-21, 2023. Counties included: Androscoggin, Franklin, Hancock, Kennebec, Oxford, Penobscot, Piscataquis, Somerset, Waldo, and Washington. 
3.    June 29, 2023. County included: Franklin County.
4.    June 26, 2023. County included: Oxford County.
5.    April 30-May 1, 2023. Counties included: Franklin, Kennebec, Knox, Lincoln, Oxford, Sagadahoc, Somerset, Waldo.
6.    December 23-24, 2022. Counties included: Franklin, Knox, Oxford, Somerset, Waldo, York.


USDA is an equal-opportunity provider, employer, and lender