Three USDA housing programs, one guided path.
We help you choose the right program and prepare a strong, complete application.
USDA Section 502 Direct Loan
Affordable home purchase loans for low- and very-low-income families in eligible rural areas — payment assistance may reduce the effective rate.
Low- and very-low-income households in USDA-eligible rural areas who cannot secure a mortgage through conventional channels.
- • Purchase a modest single-family home
- • New construction or existing home
- • Site preparation and reasonable closing costs
USDA Section 504 Home Repair Loan & Grant
Loans and grants to repair, improve, or modernize homes — grants may be available for very-low-income homeowners age 62 or older.
Very-low-income homeowners in eligible rural areas. Grants may be available to homeowners age 62 or older who cannot repay a loan.
- • Repair, improve, or modernize the home
- • Remove health and safety hazards
- • Roofing, plumbing, electrical, accessibility work
USDA Section 504 Disaster Assistance
Assistance for homeowners repairing damage caused by a Presidentially declared disaster in eligible rural areas.
Very-low-income rural homeowners impacted by a Presidentially declared disaster.
- • Repair damage caused by a declared disaster
- • Restore essential home systems
- • Bring the home back to a safe, livable condition
Wake Up At Home CDC assists with USDA program applications. We do not guarantee approval; all funding decisions rest with the U.S. Department of Agriculture.