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Single Family Housing Repair Loans & Grants in North Carolina


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.

For existing Section 502 direct and 504 borrowers who have received a payment moratorium related to COVID-19: The American Rescue Plan (ARP) Act of 2021 appropriated additional funds for Section 502 direct and 504 loans, to remain available until September 30, 2023.  The focus will be to refinance existing Section 502 direct and Section 504 borrowers who have received a payment moratorium related to COVID-19.  Beginning May 17, 2021, the Agency will accept applications from existing Section 502 direct and Section 504 loan borrowers, to refinance outstanding loans which have been in an approved COVID-19 moratorium.  Additional information for these borrowers, including a standardized application package, is available at https://pubmai.sc.egov.usda.gov/.

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 family income below 50 percent of the area median income 
  • For grants, be age 62 or older and not be able to repay a repair loan

What is an eligible area?
Applicants may check the address of their home to determine eligibility.

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 $20,000
  • Maximum grant is $7,500
  • Loans and grants can be combined for up to $27,500 in assistance

Note: Rural homeowners in the states of California, Hawaii, Illinois, Indiana, Iowa, Kentucky, Maine, Michigan, Mississippi, New Jersey, New Mexico, New York, North Carolina, Oregon, Pennsylvania, Puerto Rico, South Carolina, Texas, Tennessee, Virginia, Washington, and West Virginia may be eligible for higher loan or grant amounts under the Single Family Housing Section 504 Repair Pilot Program. Please contact the State Office for more details.

What are the terms of the loan or grant?

  • Loans can be repaid over 20 years
  • Loan interest rate is fixed at 1%
  • Full title service is required for loans of $7,500 or more
  • Grants have a lifetime limit of $7,500
  • Grants must be repaid if the property is sold in less than 3 years
  • If applicants can repay part, but not all of the costs, applicants may be offered a loan and grant combination

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 Loan Application Packager Resources:

  • Repair loan 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.
  • Allowable packaging fees to any public, tribe or private nonprofit organizations may be included in repair loans, but not repair grants.
  • 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.
  • For grant eligibility you must meet the age requirement of 62 or older (additional requirements apply).  Income based grant eligibility is determined by the household's adjusted annual income compared to the area median income (AMI). 
  • Repair assistance is determined by the households adjusted annual income and existing mortgage payments, real estate taxes, homeowner's insurance and other monthly total debts (TD). Very-low income homeowners could qualify for loans and/or grants in one of three ways:
    1. Adjusted annual income up to 30% of AMI or Total Debts (TD) exceeding 46% may qualify for up to a $7,500 grant for eligible purposes.
    2. Adjusted annual income exceeding 30% of AMI with Total Debts (TD) not exceeding 46% may qualify for both a repair loan and grant at age 62 or older.
    3. Adjusted annual income below 50% of AMI with Total Debts (TD) less than 46% may qualify for up to a $20,000, twenty-year, 1% interest rate loan if less than age 62.
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.


Pam Hysong, Area Director

160 Zillicoa Street, Suite #2

Asheville, NC 28801

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Email: linda.whitmire@nc.usda.gov

Counties Served: Buncombe, Henderson, Transylvania



134 Government Circle

Suite 201

Jefferson, NC 28640

336-246-2885Image removed.

844-325-6823Image removed. Fax

Email: susan.roland@nc.usda.gov

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



195 Thomas Heights Rod

Franklin, NC 28734

828-524-3175Image removed.

844-325-6823Image removed. Fax

Email: pam.hysong@nc.usda.gov

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



225 Valley River Avenue, Suite J

Murphy, NC 28906

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Email: pam.hysong@nc.usda.gov



11943 S. 226 Hwy Suite D

Spruce Pine, NC 28777

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Email: rebecca.pinto@nc.usda.gov

Counties Served: Mitchell, Yancey, Madison, Avery



Kelley Woodley, Area Director

844 Wallace Grove Road

Shelby, NC 28150

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Email: kevin.oliver@usda.gov

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



Forsyth County Agriculture Building

Room 102

1450 Fairchild Drive

Winston Salem, NC  27105

336-767-0720Image removed.

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Email: kevin.oliver@nc.usda.gov

Counties Served: Forsyth, Alexander, Burke, Davie 



444 Bristol Drive

Statesville, NC  28677

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Counties Served: Iredell, Catawba, Lincoln

Email: kevin.oliver@usda.gov



220 Cooper Street

PO Box 66

Dobson, NC 27017

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844-325-6850Image removed. Fax

Email: debbie.dickerson@usda.gov

Counties Served: Surry, Yadkin, Stokes



Rossie Bullock, Area Director

PO Box 7426

440-C Caton Road

Lumberton, NC 28360

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



Johnston County Agric Service Bldg

2736 Hwy 210

Smithfield, NC 27577

919-934-7156Image removed.

844-325-6830Image removed. Fax

Email: lacia.flakes@nc.usda.gov

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



10 Referendum Drive

PO Box 108

Bolivia, NC  28422

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844-325-6830Image removed. Fax

Email: paula.thrush@nc.usda.gov

Counties Served: Brunswick, New Hanover, Pender



847 Curry Drive, Suite 104

Asheboro, NC 27205

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844-325-6822Image removed. Fax

Email: sha.stallings-morgan@usda.gov

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



2416 Tramway Road

Ernest & Ruby McSwain Extension Educ & Ag Center

Sanford, NC 27332

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844-325-6822Image removed. Fax

Email: margarita.marble@nc.usda.gov

Counties Served: Lee, Chatham, Moore



123 Caroline Street

Rockingham, NC  28379

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844-325-6822Image removed. Fax

Email: pamela.edwards@nc.usda.gov

Counties Served: Richmond, Montgomery, Anson, Union



853 S. Beckford Drive, Suite A

Henderson, NC 27536

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844-325-6826Image removed. Fax

Email: kim.hunt@usda.gov

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



County Office Building

305 W. Tryon Street

PO Box 8

Winton, NC 27986

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Email: travis.lassiter@nc.usda.gov

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



Halifax County Agriculture Complex

359 Ferrell Lane

Box 7

Halifax, NC 27839

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844-325-6826Image removed. Fax

Email: pamela.richardson@usda.gov

Counties Served: Halifax



Aaron Gaskins, Area Director

2044-C Hwy 11/55 South

PO Box 6189

Kinston, NC 28501-0189

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Email: stephanie.hardison@nc.usda.gov

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



Pitt County Office Complex

403 Government Circle, Suite 3

Greenville, NC 27834


844-325-6827Image removed. Fax

Email: Lisa.Yocum@nc.usda.gov

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


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