Imagine your aging roof leaking, threatening your safety as a senior on a fixed income. Colorado’s Section 504 Home Repair Grants offer you up to $10,000—no repayment if you stay three years—to fix health hazards fast. Combine with loans for $50,000 total. You’ll qualify if very-low-income and rural; check limits now before funds vanish.
Key Takeaways
- Section 504 grants offer up to $10,000 ($15,000 in disaster areas) for elderly very-low-income homeowners to remove health/safety hazards[BACKGROUND].
- Grants require applicants aged 62+ with income below 50% area median; no repayment unless home sold within 3 years[BACKGROUND].
- Combine grants with loans up to $40,000 at 1% interest over 20 years for total $50,000 assistance[BACKGROUND].
- Apply year-round at local USDA Rural Development offices in Colorado after verifying eligibility[BACKGROUND].
- Eligible repairs include ramps, roofs, furnaces; prioritize health/safety in rural owner-occupied homes[BACKGROUND].
Who Qualifies for Colorado Home Repair Grants?
You qualify for Colorado home repair grants if you’re a homeowner aged 62 or older** with very-low income** below 50% of your county’s area median income, own and occupy the home as your primary residence, and can’t secure affordable credit elsewhere.
[FACTS] Meet these criteria to access funding sources like USDA Rural Development grants up to $10,000—or $15,000 in disaster zones—that repair safety hazards without upfront costs.
[FACTS] You’re ineligible if selling within three years, as repayment kicks in.
[FACTS] Boost success with application tips: contact local Rural Development offices year-round, prepare income proof and residency docs for swift approval, and combine with loans up to $50,000 total aid.
[FACTS] Act now—secure your home strategically.
2025 Income Limits by Household Size
Check your household size to see if you qualify for Colorado home repair grants under the maximum gross income limits effective June 2025.
For 1 person, you stay under $72,950; 2 persons caps at $83,400; 3 at $93,800; 4 at $104,200; and 8 at $137,550.
Meet these thresholds, and you’ll access essential funding—act now to secure your home’s future.
Household Size Limits
- Household of 1: $72,950 maximum gross income.
- Household of 2: $83,400.
- Household of 3: $93,800.
- Household of 4: $104,200.
- Household of 5: $112,550.
Fit within these limits, and you qualify for essential repairs.
Don’t delay—verify your income today and apply to protect your home.
Maximum Gross Incomes
Colorado’s home repair grant programs use income limits that vary by household size**** to determine eligibility.
If you’re a single person, you’ll need gross income below $72,950. Two-person households qualify at $83,400, while three-member families can earn up to $93,800. Four-person households reach $104,200, and five-person families max out at $112,550.
These thresholds guide the income verification process throughout your application. Understanding your household’s gross income calculations helps you determine qualification status before submitting documentation.
Most programs require proof of income, making accurate reporting essential for approval.
Effective June 2025
Since income eligibility determines whether you’ll qualify for Colorado’s home repair assistance programs, it’s essential to understand the updated thresholds effective June 2025.
Check your household’s maximum gross income against these limits to secure financial assistance for crucial home repair needs:
$72,950 for one person;
$83,400 for two;
$93,800 for three;
$104,200 for four.
Larger families gain more room—up to $112,550 for five, $120,900 for six, and $137,550 for eight.
Act now to confirm eligibility and claim grants or loans before funds vanish.
Section 504: Loans vs. Grants Explained
You’ll find that Section 504 loans and grants serve different purposes: loans of up to $40,000 help you repair, improve, or modernize your home, while grants up to $10,000 ($15,000 in disaster areas) specifically target health and safety hazards.
The critical distinction hinges on age and repayment—grants require you to be 62 or older and don’t demand repayment unless you sell within three years, whereas loans obligate you to repay over 20 years at a fixed 1% rate.
Both require your household income to fall below the very-low-income limit for your county, but grants offer a pathway to free assistance if you meet the age requirement and can’t afford to repay debt.
Key Differences Between Loans and Grants
While the Section 504 Home Repair program offers both loans and grants, they serve distinctly different purposes and come with different eligibility requirements.
Loans provide up to $40,000 at a fixed 1% interest rate over 20 years, making them suitable for general repairs, improvements, or modernization of your home.
Grants, on the other hand, cap out at $10,000 (or $15,000 in presidentially declared disaster areas) and must be used exclusively to remove health and safety hazards****—not for cosmetic upgrades or general improvements.
You’re eligible for loans if you’re very-low-income and can’t secure affordable credit; grant eligibility requires age 62+.
Loans demand fixed loan repayment; repay grants only if you sell within three years.
Combine them for up to $50,000—maximize your repair power now.
Eligibility and Age Requirements
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- Explain the age and income requirements for Section 504 grants versus loans?
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Max Funding: Up to $50K for Repairs
The Colorado Section 504 Home Repair program delivers up to $50,000 in combined funding to fix or modernize your home.
Secure a loan of up to $40,000 at a fixed 1% interest rate over 20 years if you’re very-low-income.
If you’re 62 or older, grab a grant up to $10,000—or $15,000 in disaster areas—to eliminate health and safety hazards.
Combine them strategically for maximum impact on your home improvement needs.
Check your county’s very low-income limits, then prioritize financial planning to access this affordable path to a safer, updated home.
How to Apply at Local RD Offices
To apply for Colorado home repair grants, you’ll start by contacting your local Rural Development office, which can provide specific forms and personalized guidance for your situation.
Next, gather the required documentation—including proof of homeownership, occupancy, household income verification, and age verification if you’re applying for a grant—to streamline your submission.
Finally, submit your complete application through your local RD office, and consider completing the prequalification process beforehand to confirm your eligibility and strengthen your application.
Contact Local Office
Contact your nearest Rural Development (RD) office in Colorado to kick off your Section 504 Home Repair application—it’s accepted year-round, and you’ll boost your odds by applying early since funding’s limited.
Each regional office has dedicated specialists ready to guide you through the local assistance process. The Las Animas Office features Rae Mestas at (719) 456-0120, Ext. 117, while Delta’s Victoria Martinez serves at (970) 399-8199.
Denver’s Kathleen Spain coordinates at (720) 544-2927, and Alamosa’s Tineel Baroz directs operations at (719) 992-3653.
These specialists streamline your application process, answer eligibility questions, and guarantee you’re prepared with necessary documentation before submission.
Gather Required Documents
Once you’ve contacted your local Rural Development office, gather these key documents to strengthen your Section 504 Home Repair application: proof of homeownership, income verification showing you don’t exceed your county’s very low-income limit, residency in an eligible rural area, and up-to-date mortgage and property tax records.
If you’re 62 or older, add proof of age to access grants for health and safety fixes—you’ll qualify faster.
Organize documents strategically with document organization folders labeled by category to avoid delays.
Follow these application tips: include photos of repairs needed, tax statements, and insurance proof.
Submit complete packets via your local office to accelerate approval and secure funds efficiently.
Submit Application
Submit your Section 504 Home Repair application year-round at Colorado’s local Rural Development offices to secure funding swiftly. You’ll need specific forms from your local RD office or the USDA website. Income eligibility varies by county, so verify your household’s very low-income limit first.
| Applicant Type | Funding Option | Application Tips |
|---|---|---|
| Age 62+ | Grants available | Contact local office directly |
| All eligible homeowners | Loans available | Gather income documentation |
| Lower-income households | Both options | Confirm county income limits |
An application timeline with no deadlines means you can apply whenever ready. Contact your nearest RD office for personalized guidance throughout the process.
Docs Needed for Section 504 Approval
- Proof of income: Verify household income stays below your county’s very low limit.
- Ownership and residency: Submit deed or tax statement showing you occupy the home.
- Age for grants: If 62+, provide documentation; complete forms like RD 410-4.
Contact your local office for guidance—don’t delay essential fixes.
Covered Repairs and Project Types
With Section 504 approval secured, target covered repairs like wheelchair ramps, roof replacements, accessibility upgrades, structural fixes, and general modifications that eliminate health and safety hazards in your owner-occupied home.
Your repair project examples include furnace replacements, plumbing fixes, and mold remediation.
Home modification options span from walk-in showers to electrical upgrades, all prioritized for health and safety.
You can combine loans and grants for up to $50,000 in total assistance, or $55,000 in disaster areas.
Maximum grants reach $10,000—or $15,000 if you’re in a presidentially declared disaster zone.
Guarantee all projects focus on owner-occupied residences and maintain code compliance for approval.
Approval Timeline and Next Steps
Expect approval timelines for Colorado home repair grants to vary by funding availability, so contact your local Rural Development office year-round to start.
You’ll benefit from applying early since funding’s limited and applications process in order received.
Here are essential application tips:
- Complete prequalification informally—it’s optional but streamlines your timeline
- Gather income documentation, deed copies, and repair bids before submitting
- Respond quickly to follow-up requests to keep momentum
Grant benefits include up to $10,000 for those 62+ ($15,000 in disaster areas).
Expect 30-60 day processing once submitted.
Don’t delay—funding availability fluctuates seasonally.
Find Your Nearest Colorado RD Office
Locate your nearest Colorado Rural Development (RD) office now to expedite your Section 504 Home Repair application—visit the USDA Eligibility Site or call the main office at 303-202-6340.
Contact local RD offices like Las Animas (719-456-0120 ext. 4), Delta (970-874-5726 ext. 4), Denver (720-544-2903), Alamosa (719-589-5661 ext. 4), or Wray (970-332-3107 ext. 4) for personalized Homeowner Assistance.
They process year-round applications for loans up to $40,000 and grants up to $10,000, detailing eligibility and guiding you strategically to approval.
Act fast—funding’s limited.
Top County and City Repair Programs
Your county assistance resources include:
- Adams County Minor Home Repair Program (720) 523-6200 covers roof replacements, electrical work, furnaces, plumbing, and water heaters for eligible homeowners.
- Aurora’s Single Family Housing Rehabilitation Loan Program (303) 739-7900 offers financial support for qualifying residents.
- Longmont’s Home Modification and Repair Program delivers free accessibility modifications and critical repairs through Brothers Redevelopment.
These repair program options prioritize health and safety concerns while addressing weatherization needs across Colorado’s Front Range communities.
Bilingual Help and Local Contacts
The Energy Resource Center also offers bilingual assistance for weatherization services, with Spanish-language support available at (720) 236-1339.
Tap into bilingual resources across Colorado counties and cities—you’ll find representatives ready to guide your home repair grant applications in English and Spanish.
Contact Denver and Alamosa offices for direct help, or reach community organizations providing multilingual services.
These local contacts streamline your process, ensuring you access grants efficiently.
Check government and nonprofit websites for precise numbers—don’t delay, secure your support today.
Frequently Asked Questions
What Is the Colorado Home Grant Program?
The Colorado Home Grant Program provides you with down payment and closing cost assistance for your first home purchase. Your grant eligibility depends on income limits and residency. Federal funding sources support this homeownership opportunity statewide.
What to Do if You Can’t Afford to Fix Your House?
Apply for financial assistance like Section 504 loans up to $40,000 and grants up to $10,000 for home maintenance. You’re eligible if very-low-income; combine for $50,000. Contact your local Rural Development office now.
What Is the 504 Home Repair Program?
The Section 504 Home Repair Program provides you with low-interest loans up to $40,000 and grants up to $10,000 for essential repairs. You’ll qualify based on 504 eligibility criteria—very-low income, rural property ownership—and enjoy 504 loan benefits: 1% fixed rates, 20-year terms, accessible financing.
How to Get Money to Make Home Repairs?
You’ll secure home repair financing through government assistance programs like Section 504, offering loans up to $40,000 and grants up to $10,000—or contact your local Rural Development office to determine eligibility based on income limits and property location requirements.
Conclusion
You’ll find that Colorado’s home repair grants won’t leave you hanging—they’re designed specifically for folks like you who need critical fixes. Whether you’re tackling health hazards or safety concerns, you’ve got up to $10,000 in grant funding available, or $15,000 in disaster zones. The process works like a telegraph system: straightforward and reliable. Combined with low-interest loans, these programs guarantee you’re not choosing between eating and fixing your roof. Contact your local USDA Rural Development office today to start your application and obtain the assistance you deserve.