Indiana Home Repair Grants: Updated

If you’re a low-income homeowner in Indiana facing critical repairs, you can access grants like Section 504 (up to $10,000), Owner Occupied Rehabilitation, or Revive (up to $15,000) through local programs and banks. You’ll need to meet income limits and own/occupy your property. Which one fits your needs best?

Key Takeaways

• Indiana offers Section 504 grants up to $10,000 ($15,000 in disasters) for rural seniors 62+.
• Revive grants provide up to $15,000 for low-income (≤80% AMI) homeowners’ safety repairs.
• Owner Occupied Rehabilitation funds up to $500,000 for local home repairs like roofs and HVAC.
• Eligibility requires homeownership, occupancy, low income, and often credit unavailability.
• Apply via local Rural Development offices year-round or through partners for other programs.

Indiana Home Repair Grants: An Overview

Indiana offers multiple home repair grant programs designed to help low-income homeowners afford critical repairs and accessibility improvements. You’ll find options like the Section 504 Home Repair program, offering loans up to $40,000 and grants up to $10,000 (or $15,000 in disaster areas) for elderly owners, and the Owner Occupied Rehabilitation Grant, with max awards of $350,000 for cities and $500,000 for counties. The Revive program provides grants for safety upgrades if your income is 80% or less of AMI. Amid rising home repair trends like HVAC and roof fixes, follow grant application tips: verify county income limits, occupy the property, and prove credit unavailability. Act now—you qualify if very low-income.[99 words]

Which Program Is Right for You?

Match your eligibility to programs like Section 504 if you’re a very-low-income rural homeowner aged 62+ or the Revive program if your income sits at or below 80% AMI and you partner with FHLBank Indianapolis members.

Compare funding options—Section 504 delivers loans up to $40,000 plus grants to $10,000 for safety fixes, while Owner Occupied Rehabilitation Grants cap at $350,000–$500,000 via local governments.

Assess application fit by verifying your rural location, credit barriers, and repair needs to select the best path for safe homeownership.

Match Your Eligibility

Contact local Rural Development offices or FHLBank Indianapolis members to apply now.

Compare Funding Options

With three distinct programs available, you’ll want to choose based on your income level, the scope of repairs needed, and your current financial obligations.

Section 504 offers maximum grants of $10,000 ($15,000 in disaster areas) for very-low-income homeowners focused on health and safety.

Revive grants provide up to $15,000 for households at 80% AMI or below, requiring active mortgages and property tax payments.

The Owner Occupied Rehabilitation program delivers community-level funding for roof, HVAC, and water heater replacements with up to $25,000 per homeowner.

These grant advantages guarantee you’ll find the right fit for your situation and repair priorities.

Assess Application Fit

Choosing the right program depends on your income level, repair needs, and financial situation. Evaluate these funding criteria to match your circumstances:

1. Section 504: Best if you’re very-low-income, need up to $10,000 in grants (age 62+), and can’t access affordable credit elsewhere.
2. Owner Occupied Rehabilitation Grant: Ideal if your local government applies on your behalf for accessibility or hazard elimination up to $500,000.
3. Revive program: Suitable if your household income reaches 80% AMI and you’ll work with FHLBank Indianapolis member institutions.

Your application process begins by confirming eligibility requirements match your situation, ensuring you meet income thresholds, and gathering necessary documentation proving your financial circumstances and repair needs.

Section 504 Home Repair Loans and Grants: Eligibility

For grants, you’re eligible if you’re at least 62 and meet the same eligibility criteria and income limits.

Loans max out at $40,000; grants reach $10,000 ($15,000 in disaster areas), with a combined cap of $50,000 ($55,000 respectively).

Apply year-round via local Rural Development offices—get prequalified first to streamline your process.

Section 504 Funding: Loan Limits and Grant Amounts

Key funding features:

1. Grants require grant utilization exclusively for health and safety hazard removal.
2. Combined assistance maximizes your available funds when you can repay part but not all costs.
3. Grant recipients must repay amounts if selling within three years.

This structure guarantees manageable loan repayment while prioritizing essential safety improvements for low-income homeowners.

Verify Your Property’s USDA Rural Eligibility

How do you know if your property qualifies for USDA home repair assistance? Visit the USDA Eligibility Site and enter your property address to verify rural eligibility. The USDA guidelines define rural areas based on population density and proximity to metropolitan areas. Your property must be owner-occupied and located in an eligible zone. The verification process is straightforward—simply input your address on the interactive map to determine qualification status.

If your property meets these criteria, you’re eligible for various USDA programs, including Section 504 home repair grants.

Applying for Section 504: Your 5-Step Checklist

Start your Section 504 application by gathering required documentation, including Form RD 3550-35 and proof of income, homeownership, and inability to secure other credit.

Verify your property’s eligibility using the USDA tool to confirm it’s in a qualifying rural Indiana area.

Contact your local Rural Development office next to prequalify, submit your application year-round, and get personalized guidance.

Gather Required Documentation

1. Income verification documents (pay stubs, tax returns, Social Security statements)
2. Homeownership proof and occupancy documentation
3. Age verification if pursuing a grant

Gathering these materials upfront streamlines your application and demonstrates your commitment to the program.

Verify Property Eligibility

Complete income verification next. You’re set to apply!

Contact Your Local Office

1. Forms RD 3550-35 and RD 410-4 for loans and grants.
2. Proof your income stays below your county’s very low limit and you occupy the home.
3. Prequalification details to boost approval odds amid limited funding.

Call Indiana State Office at 317-290-3100 or visit Columbia City, North Vernon, Muncie, or Crawfordsville offices now.

Section 504 Forms and Documents You’ll Need

Indiana USDA Rural Development Office Contacts

When you’re ready to apply for Section 504 home repair assistance, you’ll want to connect with your local Indiana Rural Development office—they’re your direct line to guidance through the entire application process.

You can reach the state office in Indianapolis at 317-290-3100, or visit one of the area offices in Columbia City, North Vernon, Muncie, and Crawfordsville for personalized support.

The staff there, including specialists like the Single Family Housing Director, will walk you through prequalification and help you gather the documentation you need to move forward.

Office Locations And Services

1. Get prequalified quickly via phone or in-person.
2. Obtain required forms on-site.
3. Receive tailored guidance for your application.

Contact Information And Hours

How do you get started with your Indiana home repair grant application?

Contact the Indiana State Office for USDA Rural Development at 5975 Lakeside Boulevard, Indianapolis, IN 46278. Call 317-290-3100 during business hours for general inquiries about home repair programs.

You’ll find Laura Hamann, the Housing Programs Director, ready to direct your application process.

For localized support, visit rural development offices in Columbia City, North Vernon, and other areas throughout Indiana.

Email inquiries are welcomed for detailed questions about your specific situation.

These office hours and accessible contacts guarantee you’re never far from expert assistance maneuvering Indiana’s home repair grant opportunities.

Owner Occupied Rehabilitation (OOR): Municipal Grants Explained

Your municipality can support eligible activities including:

1. Roof repairs or replacements
2. ADA accessibility modifications up to the home threshold
3. Heating and cooling system replacements

As a lead applicant, you’ll need legal capacity as a non-entitlement local unit of government.

Notify your community liaison by October 31, 2025, of your intent to apply.

Submit applications by November 14, 2025.

Applicants without prior experience require mandatory site visits before application submission.

OOR Eligibility: Who Can Apply and What Properties Qualify?

You must own and occupy your home within eligible city or county limits to qualify for Indiana’s Owner Occupied Rehabilitation program.

Your household income can’t exceed 80% of the Area Median Income as set by HUD, with specific thresholds varying by household size.

Properties must be single-family, owner-occupied residences on permanent foundations, free from floodplain restrictions, and can’t be contract sales.

Homeowner and Occupancy Requirements

1. Primary residence: Live in single-family homes, townhouses, or deeded manufactured homes.
2. Income limits: Household at or below 80% AMI.
3. Contractor collaboration: Work with verified pros for quality repairs.

Non-entitlement units like cities or counties administer these.

Income and Credit Qualifications

You’ll also need to demonstrate inability to obtain affordable credit elsewhere. Working with a verified contractor guarantees your repairs meet program standards and compliance requirements, protecting your investment while maintaining quality workmanship throughout the rehabilitation process.

OOR-Eligible Repairs: Roofs, HVAC, Electrical, and More

Key benefits include:

1. Roof inspections and replacements prevent leaks and structural damage.
2. HVAC upgrades guarantee efficient heating/cooling for comfort.
3. Electrical upgrades eliminate hazards, enhancing safety.

Partner with verified contractors for quality compliance.

Secure your low-income home’s future now.

Bank-Backed Home Repair: How Revive Works

While home repairs can feel overwhelming, the Revive program makes it easier by connecting you with financial assistance through trusted banking partners.

You’ll work directly with member institutions of FHLBank Indianapolis, which handle your application and fund distribution.

The financial requirements are straightforward: your household income must be at or below 80% of the Area Median Income.

You’ll need to own your primary residence, stay current on mortgage and property tax payments, and collaborate with a verified contractor.

This structure guarantees quality repairs while keeping you supported throughout the process, making home improvements genuinely accessible.

Revive Income Limits and Grant Amounts for Indiana Homeowners

Because your household’s financial situation directly determines your eligibility, understanding Revive’s income limits is essential before you apply.

You’ll need to meet these Revive eligibility criteria:

1. Your total household income must be at or below 80% of Area Median Income (AMI) based on household size, as determined by HUD income limits.
2. You must own and occupy the property as your primary residence.
3. Your existing mortgage and property tax obligations must be current and paid as agreed.

Regarding Revive funding specifics, you can receive up to $15,000 per grant, with a minimum of $1,000.

You’re limited to one grant every five years. You’ll work with an FHLBank Indianapolis member institution to access funds, ensuring quality repairs through verified contractors.

Accessing Revive Funds Through FHLBank Member Institutions

To access Revive funds, you’ll collaborate with a participating FHLBank Indianapolis member institution, such as a credit union or bank, which handles your entire application process.

These financial partners guide you through the Revive application process, verifying that you meet income requirements—at or below 80% of Area Median Income—and that your mortgage and property taxes are current.

You’ll work directly with your chosen member institution to submit documentation and select a licensed contractor for repairs.

Since funds are distributed first-come, first-served annually, submitting your FHLBank member collaboration application early maximizes your chances of receiving grant assistance.

This institutional partnership guarantees streamlined processing and accountability throughout your home repair project.

Comparing Section 504, OOR, and Revive: Which Grant Fits Your Situation?

Your funding strategies should align with eligibility requirements:

1. Section 504 targets homeowners 62+ with very-low incomes unable to access affordable credit; grants reach $10,000 for health and safety repairs.
2. OOR serves non-entitlement local governments, offering $350,000–$500,000 for community-wide housing improvements rather than individual homeowner projects.
3. Revive supports those earning up to 80% of Area Median Income through FHLBank partnerships, requiring current mortgage and property tax obligations.

Your grant application success depends on understanding these distinctions and selecting the program matching your specific situation.

Frequently Asked Questions

How to Get Money to Make Home Repairs?

Apply for USDA Section 504 loans up to $40,000 and grants up to $10,000 for home improvement. You qualify if you’re very low-income, own/occupy a rural home, and can’t get credit elsewhere. Contact your local Rural Development office for financial assistance now.

What to Do if You Can’t Afford to Fix Your House?

When retiree Jane’s roof leaked, threatening her rural Indiana home, you seek financial assistance via Section 504 loans up to $40,000 or grants to $10,000 if 62+. Investigate home repair options like Revive or local Owner Occupied Rehabilitation Grants—you qualify if very-low-income and owner-occupied.

What Is the 504 Home Repair Program?

The 504 Home Repair Program provides loans and grants to very-low-income homeowners for necessary repairs. You’ll benefit from a 1% fixed interest rate, 20-year loan terms, and grants up to $10,000 if you’re 62 or older and meet 504 eligibility criteria.

Does Indiana Have Grant Money for Individuals?

Yes, Indiana’s got multiple grant programs for you. You’ll qualify for Indiana assistance if you’re a low-income homeowner—don’t worry about grant eligibility requirements being impossible. Revive offers up to $15,000, Section 504 grants reach $10,000, and community programs provide additional support.

Conclusion

Imagine your sagging roof mended, ramps easing your steps, and a sturdy home shielding your family from Indiana’s fierce winds. You qualify for Section 504’s $10,000 grant, Revive’s $15,000 boost, or OOR’s essential fixes—don’t let cracks widen. Verify your income, check rural eligibility, and contact a participating bank or local office today. Secure your haven; apply now and reclaim stability.