U.S. flag

An official website of the United States government

Dot gov

Official websites use .gov
A .gov website belongs to an official government organization in the United States.

Https

Secure .gov websites use HTTPS
A lock () or https:// means you’ve safely connected to the .gov website. Share sensitive information only on official, secure websites.

Single Family Housing Repair Loans & Grants in North Carolina

open


Applications for this program are originated in the field office serving your county.  Select the Contacts tab above for the NC field office list.

What does this program do? 
Also known as the Section 504 Home Repair program, this provides loans to very-low-income homeowners to repair, improve or modernize their homes or grants to elderly very-low-income homeowners to remove health and safety hazards.

Who may apply for this program?
To qualify, you must:

  • Be the homeowner and occupy the house
  • Be unable to obtain affordable credit elsewhere
  • Have a household income that does not exceed the very low limit by county
  • For grants, be age 62 or older

What is an eligible rural area?
Utilizing the USDA Eligibility Site you can enter a specific address for determination or just search the map to review general eligible areas.

How may funds be used?

  • Loans may be used to repair, improve or modernize homes or remove health and safety hazards
  • Grants must be used to remove health and safety hazards

How much money can I get?

  • Maximum loan is $40,000
  • Maximum grant is $10,000
  • Loans and grants can be combined for up to $50,000 in assistance

What are the terms of the loan or grant?

  • Loans are termed for 20 years
  • Loan interest rate is fixed at 1%
  • Full title service is required if the total outstanding balance on Section 504 loans is greater than $25,000
  • Grants have a lifetime limit of $10,000
  • Grants must be repaid if the property is sold in less than 3 years

Is there a deadline to apply? 

  • Applications for this program are accepted through your local RD office year round

How long does an application take? 
Approval times depend on funding availability in your area. Talk to a USDA home loan specialist in your area for help with the application

Who can answer questions and how do I get started?
Contact a USDA home loan specialist in your area

What governs this program?

  • The Housing Act of 1949 as amended, 7 CFR Part 3550
  • HB-1-3550 - Direct Single Family Housing Loans and Grants Field Office Handbook

Why does USDA Rural Development do this?
Helping people stay in their own home and keep it in good repair helps families and their communities. Homeownership helps families and individuals build savings over time. It strengthens communities and helps many kinds of businesses that support the local economy.

NOTE: Because citations and other information may be subject to change, please always consult the program instructions listed in the section above titled "What Governs this Program?" Applicants may also contact your local office for assistance.

NOTE: Please select your state using the "Select your location" menu above.  By doing so, any state specific forms and resources will be shown above this note.

Applicant Resources:

Applicants interested in applying for a repair loan or grant can contact their local Rural Development office and provide the following documentation:

Borrower Resources:

Rural Development Staff and Application Packager Resources:

  • The 504 Automated Worksheet is a tool designed to identify what type of assistance a homeowner may receive; however, is not a final eligibility determination.  The tool can be used to package 504 loans and grants.
  • Repair packagers are not subject to the certified packaging process for purchase loans. Information regarding the 504 packaging process can be found in HB-1-3550, Chapter 3, Attachment 3-A.
  • Repair packagers must sign a Memorandum of Understanding (MOU) with the State Office.
  • Allowable packaging fees to any public, tribe or private nonprofit organizations may be included in repair loans and grants.
  • Packagers are encouraged to visit the Direct Loan Application Packagers page for information and resources specific to packaging Section 502 Home Purchase Program.
  • Eligibility for repair assistance considers the applicant's age, household income, and Total Debt (TD) ratio. To qualify for a grant, the applicant must be 62 or older.

National Architect Requirements:

Individual states may have particular requirements based on state and local regulations. Please contact the state office in the state where your project is located.

There are no other additional requirements at the national level. If there are additional state-specific requirements they will be listed above.

ASHEVILLE AREA OFFICE 

Jody Lovelace, Area Director 

160 Zillicoa Street, Suite #2 

Asheville, NC 28801 

828-254-0916  

844-325-6823 Fax 

Email: jody.lovelace@usda.gov 

Counties Served: All Area One Counties 

 JEFFERSON SUB AREA OFFICE 

134 Law Enforcement Dr., Suite 201 

Jefferson, NC 28640 

336-246-2885 

844-325-6823 Fax 

Email: Joyce.Latham@usda.gov 

Counties Served: Ashe, Watauga, Alleghany, Wilkes, Caldwell 

FRANKLIN LOCAL OFFICE 

195 Thomas Heights Road 

Franklin, NC 28734 

828-524-3175 

844-325-6823 Fax 

Email: rebecca.pinto@usda.gov 

Counties Served:  Macon, Haywood, Jackson, Cherokee, Clay, Graham, Swain 

MURPHY LOCAL OFFICE 

225 Valley River Avenue, Suite J 

Murphy, NC 28906 

828-837-2721 

844-325-6823 Fax 

Email: jody.lovelace@usda.gov 

SPRUCE PINE LOCAL OFFICE 

11943 S. 226 Hwy Suite D 

Spruce Pine, NC 28777 

828-765-0889 

844-325-6823 Fax 

Email: susan.roland@usda.gov 

Counties Served: Mitchell, Yancey, Madison, Avery, Buncombe, Henderson, Transylvania 

SHELBY AREA OFFICE 

Jody Lovelace, Area Director 

844 Wallace Grove Road 

Shelby, NC 28150 

704-471-0235 

844-325-6850 Fax 

Email: kevin.oliver@usda.gov 

Counties Served: Cleveland, Gaston, McDowell, Polk, Rutherford, Mecklenburg 

WINSTON-SALEM SUB AREA OFFICE 

Forsyth County Agriculture Building Room 102 

1450 Fairchild Drive 

Winston Salem, NC  27105 

336-767-0720 

844-325-6850 Fax 

Email: kevin.oliver@usda.gov 

Counties Served: Forsyth, Alexander, Burke, Davie  

STATESVILLE LOCAL OFFICE 

444 Bristol Drive 

Statesville, NC  28677 

704-872-5061 

844-325-6850 Fax 

Counties Served: Iredell, Catawba, Lincoln 

Email: kevin.oliver@usda.gov 

DOBSON LOCAL OFFICE 

220 Cooper Street 

PO Box 66 

Dobson, NC 27017 

336-386-8751 

844-325-6850 Fax 

Email: debbie.dickerson@usda.gov 

Counties Served: Surry, Yadkin, Stokes 

LUMBERTON AREA OFFICE 

Larry Sampson, Area Director 

PO Box 7426 

440-C Caton Road 

Lumberton, NC 28360 

910-887-3762 

844-325-6830 Fax 

Email: larry.sampson@usda.gov 

Counties Served: Robeson, Bladen, Cumberland, Scotland, Hoke, Columbus 

SMITHFIELD SUB AREA OFFICE 

Johnston County Agric Service Bldg 

2736 Hwy 210 

Smithfield, NC 27577 

919-300-4866 

844-325-6830 Fax 

Email: kristi.wilson@usda.gov 

Counties Served: Johnston, Harnett, Sampson, Wake, Wilson 

BOLIVIA LOCAL OFFICE 

10 Referendum Drive 

PO Box 108 

Bolivia, NC  28422 

910-253-4448 

844-325-6830 Fax 

Email: paula.thrush@usda.gov 

Counties Served: Brunswick, New Hanover, Pender 

ASHEBORO AREA OFFICE 

Kelley Woodley, Area Director 

847 Curry Drive, Suite 104 

Asheboro, NC 27205 

336-629-4449 

844-325-6822 Fax 

Email: sha.stallings-morgan@usda.gov 

Counties Served: Guilford, Randolph, Davidson, Rowan, Stanly, Cabarrus, Rockingham, Caswell, Alamance 

SANFORD LOCAL AREA OFFICE 

2416 Tramway Road 

Ernest & Ruby McSwain Extension Educ & Ag Center 

Sanford, NC 27332 

919-775-3407 

844-325-6822 Fax 

Email: margarita.marble@usda.gov 

Counties Served: Lee, Chatham, Moore 

ROCKINGHAM LOCAL OFFICE 

123 Caroline Street 

Rockingham, NC  28379 

910-895-3950 

844-325-6822 Fax 

Email: pamela.edwards@usda.gov 

Counties Served: Richmond, Montgomery, Anson, Union 

HENDERSON AREA OFFICE 

Shirlene Alexander, Area Director 

853 S. Beckford Drive, Suite A 

Henderson, NC 27536 

252-438-3134 ext. 4 

844-325-6826 Fax 

Email: kim.hunt@usda.gov 

Counties Served: Vance, Granville, Franklin, Warren, Orange, Durham, Person,  

WINTON SUB AREA OFFICE 

County Office Building 

305 W. Tryon Street 

P.O. Box 8 

Winton, NC 27986 

252-358-7836 

844-325-6826 Fax 

Email: travis.lassiter@usda.gov 

Counties Served: Hertford, Gates, Chowan, Pasquotank, Perquimans, Camden, Currituck, Bertie, Northampton 

HALIFAX LOCAL OFFICE 

Halifax County Agriculture Complex 

359 Ferrell Lane 

P.O. Box 7 

Halifax, NC 27839 

252-583-7171 ext. 4 

844-325-6826 Fax 

Email: pamela.richardson@usda.gov 

Counties Served: Halifax, Nash 

KINSTON AREA OFFICE 

Aaron Gaskins, Area Director 

2044-C Hwy 11/55 South 

PO Box 6189 

Kinston, NC 28501-0189 

252-526-9799 

844-325-6827 Fax 

Email: stephanie.hardison@usda.gov 

Counties Served: Lenoir, Jones, Craven, Pamlico, Onslow, Carteret, Wayne, Greene, Duplin 

GREENVILLE SUB AREA OFFICE 

Pitt County Office Complex 

403 Government Circle, Suite 3 

Greenville, NC 27834 

252-752-2035/252-752-2880 

844-325-6827 Fax 

Email: richard.hines@usda.gov 

Counties Served: Pitt, Martin, Washington, Tyrrell, Dare, Beaufort, Hyde