The USDA Rural Development can provide assistance to homeowners in rural areas. The USDA Single Family Housing Direct Home Loans Program, also known as Section 502 Direct Loan Program, helps low- and very-low-income families living in rural areas by providing payment assistance to increase an applicant’s repayment ability. Loan funds can be used to purchase homes in rural areas; as well as, to build, repair, renovate or relocate a home, or to purchase and prepare sites. The USDA Single Family Housing Guaranteed Loan Program, also known as Section 502 Guaranteed Loan Program, provides low- and moderate- income families living in rural areas with loan funds to build, rehabilitate, improve or relocate a dwelling in eligible rural communities. The USDA Single Family Housing Repair Loans Grants, also known as Section 504 Home Repair Program, provides loans to very-low-income homeowners to repair, improve or modernize their homes or grants to elderly (age 62 and older) very-low-income homeowners to remove health and safety hazards.