Home Rehabilitation Programs | USDA - Rural Development - Single Family Housing Repair Loans & Grants
338 South 36th St., Quincy, IL 62301
Eligibility
1. Applicant (both loans and grants) must reside in a rural area with a population of less than 35,000. You can check your address on this site: Property Eligibility Tool
2. Applicant (both loans and grants) must be the homeowner and occupy the house.
3. Applicant (both loans and grants) must be unable to obtain affordable credit elsewhere.
4. Applicant (both loans and grants) must have a household income that does not exceed the very low limit by county (please call or visit this site: https://www.rd.usda.gov/sites/default/files/RD-DirectLimitMap.pdf)
5. For grants, applicant must be age 62 or older
Hours
Monday through Friday, 8:30 a.m. to 4:30 p.m.
217-224-9307
Voice·
Rural Development Specialist-Quincy Office
309-342-5138
Voice·
Rural Development Specialists-Galesburg Office
Languages
English
Application process
Please call for further screening.
Fees
This will vary based on the program.
Service area
IL
The Single Family Housing Repair Loans & Grants program through the United States Department of Agriculture Rural Development division is also known as the Section 504 Home Repair program. It has two branches:
1. The program provides loans to very low-income homeowners to repair, improve, or modernize their homes.
2. It also offers grants to elderly, very low-income homeowners to remove health and safety hazards.
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
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How much money is available?
-Maximum loan is $40,000
-Maximum grant is $10,000
-Loans and grants can be combined for up to $50,000 in assistance
Last Assured
01/15/2026
What's Here
Providing organization
USDA Rural Development Single Family Housing Repair Loans Grants
The Single Family Housing Repair Loans & Grants program through the United States Department of Agriculture Rural Development division is also known as the Section 504 Home Repair program. It has two branches:
1. The program provides loans to very low-income homeowners to repair, improve, or modernize their homes.
2. It also offers grants to elderly, very low-income homeowners to remove health and safety hazards.
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 is available?
-Maximum loan is $40,000
-Maximum grant is $10,000
-Loans and grants can be combined for up to $50,000 in assistance