08/31/2026
Single Family Housing Repair Loans & Grants - USDA funding available for rural residential customers that need to make repairs to their homes.
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.
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
Income Limit for Buffalo County is
1-4 Person Household - Under $48,000.00
5-8 Person Household - Under $63,400.00
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
Maximum grant if repairing a home damaged in a presidentially declared disaster area is $15,000
Loans and grants can be combined for up to $50,000 in assistance or $55,000 in presidentially declared disaster areas.
For more information, please visit the USDA's website at
https://www.rd.usda.gov/programs-services/single-family-housing-programs/single-family-housing-repair-loans-grants
Wisconsin Rural Development State Office
5417 Clem’s Way
Stevens Point, WI 54482
Phone: 715-345-7600