Arizona is one of 25 states and territories selected to participate in a new pilot program the U.S. Department of Agriculture is launching with the goal to make home improvements and repairs easier for some.
Eligible homeowners are those who benefit from Section 504, meant to financially assist rural homeowners who can’t otherwise get affordable loans.
Contractors typically get paid after materials are delivered and construction work has begun, but many require upfront payment to order supplies.
For very low-income rural homeowners, this presents a challenge because of how Section 504 payments typically work.
But from now until early December 2026, the pilot program allows loan or grant funds to pay for materials before they arrive. The change means payments can go directly to suppliers or contractors with proof of purchase, to make the process more flexible and guard against fraud.
The aging population and people with disabilities are especially expected to benefit from the ability to make their homes more accessible.
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