How to Find Home Repair Grants for Seniors in Your Area

Living out one's golden years in the cozy embrace of home is nearly every senior citizen's dream. But problems don’t come knocking at your door first. 

While you might already be dealing with some age-related health problems, a sudden need for home repair can come as a source of distress to you. But if you ignore them, it will eventually cost you more money, along with your health. 

However, no need to worry at all. Governments in different areas are funding loans and grants to help low-income people in home improvement projects such as repairing, and replacing a septic tank, energy efficiency upgrade, etc. 

The best part is, there’s also something for the country's senior citizens. It’s called the Section 504 Home Repair Loan and Grant Program and it’s the primary grant program for seniors. 

There are also some other grant programs for different states and areas, which we will discuss in the article. Continue reading if you want to know how to apply for a grant program, eligibility, as well as available grants.

What Are Section 504 Grants?

Also known as Single Family Housing Repair Loans and Grants, this program focuses on aiding homeowners with necessary home repairs and renovation. 

People who live in rural areas and with low income will be able to get the assistance of  Section 504 Home Repair Loan and Grant Program. Eligible candidates can access the grants with a minimum interest rate (1%) to make essential home repairs and modifications.

What makes you qualified for this program? If your adjusted household income doesn’t exceed 50% of your area’s median income, then you will be qualified to access this grant.

You can use the money for different types of home repairs and renovations, such as:

  • Eliminating any kind of health hazard.
  • Replacing the septic, insulation, or any foundation-related system.
  • Make the home accessible for elderly members of the family or those with mobility issues.
  • Upgrading the overall energy efficiency of the home.

If you can’t afford repairs or renovations, or are having trouble getting credit from other lenders, Section 504 loans and grants are just for you.

Who Can Qualify for Home Repair Grants?

Not everyone is eligible for the Section 504 program. You need to maintain certain criteria for the program, including:

  • You must have your own home.
  • You must be 62 years or older.
  • Your income should not exceed the limit set by different countries.
  • You must live in a rural area.

Loan and Grant Amounts

You will see two types of financial assistance in the Section 504 program, loans and grants.

Grants: if you’re 62 or older, you can apply for the grant. The best part of it is you don’t need to repay unless you’re selling the property in less than three years. You will get a maximum of $10,000 as a lifetime grant amount.

Loans: if you need more money than $10,000, you can apply for a loan of up to $40,000 under this program. In that case, you will have to pay an interest as low as 1%.

And, in case you don’t know, you can combine up the grants and loans for up to $50,000 in assistance.

How to Apply for a Senior Home Repair Grant

There are quite a few ways to apply for a Section 504 loan or grant. However, the fastest way is to contact your area’s Rural Development Office.

Once you’re in that office, let the representative help you with the entire application process. They will help you by providing all the details about all the documents you need to submit. They will also assist you in finding out whether you’re eligible or not.

What is the Weatherization Assistance Program?

The Weatherization Assistance Program is run by the U.S. Department of Energy. Their main goal is to help people with lower incomes improve their homes’ energy efficiency and reduce energy costs by addressing issues like inefficient HVAC systems, insulations, as well as air leaks.

The local agencies are the first to receive the grants. Then they partner with qualified contractors to perform the weatherization upgrades.

Several upgrades are performed including:

  • Replacing the doors and windows.
  • Installing insulation in floors and attic.
  • Ensure attic ventilation.
  • Repairing or replacing inefficient HVAC systems, water heaters, etc.

Your eligibility will be decided based on your income. Besides, your age and mobility issues will be given a priority.

What are Municipal Home Repair Grants for Seniors?

If you’re not eligible for the above-mentioned programs, you can also apply for some home repair grants administered at the state and local levels.

You can find municipal home repair grants and loans by contacting the state’s  Department of Housing and Urban Development. You can also look if your locality has the area agency on aging for such loans and grants.

The program varies from country to country. The application process and eligibility for a grant program will be different for different countries. But everyone has one common goal, to help homeowners access free funding for eco-home improvement. 

For example, if you live in England and looking for a suitable grant program, you can do some research and find a few good options. Companies like ZOA Eco Grants can help you with some home improvements like solar PV systems, insulations, and heating systems like boilers, heat pumps, etc.

Other Resources

How difficult it will be to access the grants depends a lot on the area you live in. But the good news is, several nonprofit organizations are working on this purpose along with the government organizations.

Let’s get to know more about those organizations to better understand how they can benefit you, shall we?

Rebuilding Together

Rebuilding Together is a non-profit organization that aims to improve the quality of life of older adults by providing a secure and comfortable living environment.

The organization provides help with home repair, energy efficiency upgrades, as well as modifications of accessibility. 

Since they work through a network of local affiliates, whether you can apply for their services depends on your location.

Habitat for Humanity

With a motto of building and renovating affordable housing for people, Habitat for Humanity provides financial support and education to homeowners, especially older adults.

Besides, this international non-profit organization is working tirelessly to help people achieve long-term stability.

Green and Healthy Homes Initiative

Another organization that’s working on addressing the connection between housing, energy efficiency, and health.

Green and Healthy Homes Initiative helps families with elderly people and children. However, their direct service is limited to only four U.S. cities.


Unforeseen home repair can be quite daunting while you’re planning to at home. However, several loans and grants programs are available, tailored to support you through these challenges.

While the Section 504 Home Repair Loan and Grant Program is providing older homeowners with essential home repairs, several other companies and non-profit organizations are also taking similar initiatives.

Which program you will opt for depends on their availability in your locality. However, from England to the U.S., all the organizations have the same goal - to empower seniors with free funding for essential home improvements.

While the eligibility criteria may vary, all the government and non-profit organizations are working hard on making the world a safe place for their senior citizens.