Very Low-Income Housing Repair Loans and Grants (10.417)
Very Low-Income Housing Repair Loans and Grants (Assistance Listing 10.417) is run by the Rural Housing Service, part of the Department of Agriculture. It awarded $128 million in 16,546 grants from fiscal 2021 to 2025, about $7,734 per award on average. No funding opportunity is open on Grants.gov right now.
The typical award was $8,980. Half of the 16,545 awards fell between $5,150 and $10,000, and they ranged from $0 to $70,000.
- Awarded, FY 2021 to 2025$128 million
- Grant awards16,546
- Typical award$8,980
- Awarded in FY 2025$24.6 million
- Size rank734 of 1,823
- Type of assistanceProject grants, direct loans
Key findings
- Annual funding rose from $23.3 million in fiscal 2021 to $24.6 million in fiscal 2025.
- It is the 734th largest of 1,823 federal grant programs by five-year awards.
- Awards went to recipients in 55 states and territories.
What the program funds
Improve quality of life for very low-income owner-occupants in rural areas.
Open opportunities
No opportunity under this program is open or forecast on Grants.gov right now. Programs often post once a year, so the funding history below shows what to expect.
Rules from the program listing
Who can apply
Applicants must own and occupy a home in a rural area; and be a citizen of the United States or reside in the United States after having been legally admitted for permanent residence. Loan recipients must have sufficient income to repay the loan. Grant recipients must be 62 years of age or older and be unable to repay a loan for that part of the assistance received as a grant. Applicant's income may not exceed the very low-income limit set forth in RD Handbook.
What the money can and cannot pay for
Loan funds may be used to make general repairs and improvements to properties or to remove health and safety hazards. Grant funds may be used only to pay for the costs for repairs and improvements that will remove identified health and safety hazards or to repair or remodel dwellings to make them accessible for household members with disabilities. Loans and grants are typically used for repair or replacement of heating, plumbing or electrical services, roof or basic structure as well as water and waste disposal systems, and weatherization. Loans bear an interest rate of one percent and are repaid over a period of 20 years. In addition to the above purpose, loan funds may be used to modernize the dwelling. Maximum loan amount cannot exceed a cumulative total of $40,000 to any eligible person and maximum lifetime grant assistance is $10,000 to any eligible person. The house must be located in an eligible rural area found at -https://eligibility.sc.egov.usda.gov/eligibility/welcomeAction.do. Assistance is available in States, the Commonwealth of Puerto Rico, the U.S. Virgin Islands, Guam, American Samoa, the Commonwealth of Northern Mariana's and the Trust Territories of the Pacific Islands.
Matching requirements
This program has no statutory formula. Matching requirements are not applicable to this assistance listing. MOE requirements are not applicable to this assistance listing.
Deadlines
Deadlines do not apply
Award range and average, in the agency's words
FY 2023 average grant amount is $8,029. FY 2024 average grant amount is $11,618. FY 2023 average loan amount is $7,301. FY 2023 average loan amount is $8,927.
Examples of funded projects
Fiscal Year2025: Funds have been used to replace furnaces and roofs, install entry ramps, and more.
Funding history and past recipients
From fiscal 2021 to 2025, Very Low-Income Housing Repair Loans and Grants (10.417) awarded $128 million across 16,546 grant awards, an average of $7,734 per award.
Who usually wins
Almost all of the money went to individuals.
| Recipient type | Awards | Amount | Share |
|---|---|---|---|
| Individuals | 16,546 | $128 million | 100% |
By state
53 states have a page for this program: those that received at least $1 million or 10 awards.
| State | Awards | Amount |
|---|---|---|
| Texas | 2,016 | $16.2 million |
| Alabama | 388 | $6.2 million |
| North Carolina | 727 | $5.6 million |
| Mississippi | 647 | $5.6 million |
| Kentucky | 673 | $5.6 million |
| Michigan | 795 | $5.6 million |
| New York | 729 | $5.3 million |
| Virginia | 705 | $5.2 million |
| California | 645 | $4.9 million |
| Tennessee | 634 | $4.8 million |
| Pennsylvania | 614 | $4.8 million |
| Illinois | 583 | $4.4 million |
| Ohio | 509 | $3.6 million |
| Missouri | 413 | $3.0 million |
| South Carolina | 389 | $3.0 million |
| Arizona | 369 | $2.7 million |
| Iowa | 388 | $2.6 million |
| Florida | 363 | $2.5 million |
| West Virginia | 323 | $2.5 million |
| Wisconsin | 322 | $2.3 million |
| Georgia | 326 | $2.2 million |
| Louisiana | 281 | $2.2 million |
| Minnesota | 264 | $2.0 million |
| Arkansas | 258 | $1.8 million |
| Oklahoma | 224 | $1.6 million |
| Washington | 195 | $1.6 million |
| Connecticut | 209 | $1.6 million |
| Maine | 204 | $1.5 million |
| Colorado | 194 | $1.5 million |
| Indiana | 205 | $1.4 million |
| Vermont | 208 | $1.4 million |
| Kansas | 175 | $1.3 million |
| Oregon | 146 | $1.1 million |
| Idaho | 132 | $1.0 million |
| Utah | 125 | $977,443 |
| New Mexico | 116 | $824,903 |
| Maryland | 105 | $791,290 |
| South Dakota | 94 | $718,343 |
| Montana | 97 | $650,634 |
| District of Columbia | 84 | $627,176 |
| Nebraska | 100 | $618,860 |
| Nevada | 76 | $599,167 |
| New Hampshire | 90 | $575,421 |
| North Dakota | 68 | $494,512 |
| New Jersey | 58 | $460,248 |
| Massachusetts | 65 | $450,598 |
| Marshall Islands | 42 | $335,000 |
| Wyoming | 46 | $313,601 |
| Puerto Rico | 36 | $283,166 |
| Hawaii | 33 | $239,748 |
| U.S. Virgin Islands | 16 | $131,508 |
| American Samoa | 12 | $101,490 |
| Alaska | 20 | $99,036 |
| Delaware | 9 | $73,020 |
| Rhode Island | 1 | $7,995 |