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Single Family Housing Repair Loans & Grants in New York


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.

Local Offices

Western Region: Jim Walfrand, Area Director (585) 343-9167 x4

Batavia Service Center

29 Liberty Street, Suite 2
Batavia, NY 14020
Voice: (585) 343-9167, ext. 4
Fax: (855) 889-1627

Counties served: Niagara, Orleans,Genesee, Wyoming, Erie

Bath Service Center

415 W. Morris Street
Bath, NY 14810-1038
Voice: (607) 776-7398, ext. 4
Fax: (855) 889-1628

Counties served: Schuyler, Steuben, Allegany, Cattaraugus,Chemung, Chautauqua

Canandaigua Service Center

3037 County Road 10
Canandaigua, NY 14424
Voice: (585) 394-0525, ext. 4
Fax: (855) 558-7583

Counties served: Wayne, Seneca,Ontario, Yates, Livingston, Monroe

Cortland Service Center

1 North Main Street, 2nd Floor
Cortland, NY 13045
Voice: (607) 753-0851, ext. 4
Fax: (607) 753-3190

Appointment Only.

Northern Region: Brian Murray, Area Director (315) 386-2401 x4

Canton Service Center

1942 Old Dekalb Road
Canton, NY 13617
Voice: (315) 386-2401, ext. 4
Fax: (855) 889-1629

Counties served: Clinton, Franklin, St. Lawrence

Watertown Service Center

21168 NYS Route 232
PO Box 838
Watertown, NY 13601
Voice: (315) 782-7289, ext. 4
Fax: (855) 889-1635

Counties served: Jefferson,Lewis, Oswego

Marcy Service Center

9025 River Road
Marcy, NY 13403
Voice: (315) 736-3316, ext. 4
Fax: (855) 558-7596

 Counties served: Herkimer,Oneida, Madison

 Eastern Region: Ronda Falkena, Area Director (845) 343-1872 x4

 Greenwich Service Center

2530 State Route 40
Greenwich, NY 12834
Voice: (518) 692-9940, ext. 4
Fax: (855) 889-1631

Counties served: Warren,Washington, Hamilton, Essex, Rensselaer, Saratoga

Schoharie Service Center

108 Holiday Way
Schoharie, NY 12157
Voice: (518) 295-8600, ext. 4
Fax: (855) 889-1634

Counties served: Fulton, Greene, Montgomery, Schenectady, Albany, Schoharie, Otsego, Delaware

Middletown Service Center

225 Dolson Ave, Ste 104, 1st Floor
Middletown, NY 10940
Voice: (845) 343-1872, ext. 4
Fax: (855) 889-1632

Appointment Only.

There are currently no events scheduled.