Direct Housing – Natural Disaster Loans and Grants
Active
- Assistance listing
- 10.444
- Agency
-
Rural Housing Service
Department of Agriculture
- Grant awards
- 3,388 $55,034,104 in federal obligations
Program facts
- Also known as
- (SECTION 504, Rural Housing Loans and Grants)
- Assistance type
-
- Project Grant
- Treasury accounts
-
- 12-2081-0-1-371
- 12-1953-0-1-999
- 12-4215-0-3-371
- More information
Program details come from SAM.gov Assistance Listings. Updated . Grant award figures come from USAspending.gov.
About this program
The Department of Agriculture Rural Housing Service administers Direct Housing Natural Disaster Loans and Grants (CFDA 10.444) to assist qualified homeowners in rural areas meet emergency housing needs resulting from natural disasters, with the most recent grant award dated June 30, 2026.
The program funds emergency housing assistance for owner-occupied homes in rural areas following natural disasters. Applicants must own and occupy the dwelling; loan recipients must have sufficient income to repay, while grant recipients must be age 62 or older and unable to repay a loan. Awards under this program are Project Grants exclusively, all administered through the Department of Agriculture Rural Housing Service ($49.3 million across 3,004 awards) and its Single Family Housing Program sub-line ($5.7 million across 384 awards). Combined federal dollars obligated total $55 million.
Recent award activity shows volatility in funding patterns. The portfolio reflects 3,388 total awards spanning from 2007 forward. Award volume has declined sharply in recent years: 396 awards in 2007 dropped to 54 awards through June 2026, with 2024 showing 193 awards and 2025 showing 72 awards. Grant awards are processed monthly and typically range from $9 thousand to $38 thousand in federal dollars obligated, though individual awards also include loan modifications and reversals with negative values. Recent awards through June 2026 include Section 504 Natural Disaster Loans and Grants with amounts such as $32,420, $31,000, $30,178, and $28,730. The program documentation specifies that funds are available only if Supplemental Emergency Funding for Natural Disaster has been appropriated.
No current grant opportunities are listed in the source. Applicants must file Form RD 410-4 at the local Rural Development field office serving the county where the dwelling is located, with processing typically occurring within 30 to 60 days subject to fund availability. Applicants may request reconsideration or appeal adverse actions within 30 days of notification.
Objective and description
- Objective
To assist qualified recipients to meet emergency assistance needs resulting from natural disaster. Funds are only available to the extent that funds are not provided by the Federal Emergency Management Agency (FEMA). For the purpose of administerin
Eligibility
- Applicant eligibility
Applicants must own and occupy the home in a rural area. 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. The applicant's income for a loan may not exceed the very low-income limit which can be obtained in any Rural Development (RD) field office.
- Beneficiary eligibility
Applicants/borrowers are the direct beneficiaries when they meet all eligibility criteria.
- Credentials and documentation
Natural disasters will only include those areas identified by a Presidential declaration. Funds are only available to the extent that funds are not provided by the Federal Emergency Management Agency (FEMA). Applicants must establish that physical damage was caused by natural disaster. For Section 504 loans/grants, there must be evidence of ownership and verification of income and debts. For grant recipients, evidence of age is required. The applicant must be unable to get credit elsewhere and demonstrate repayment for the loan.
- Uses of assistance
To assist very-low income owner- occupants to repair or replace damaged property as a direct result of a natural disaster. Loans are made in counties named by the Federal Management Agency as being eligible for Federal assistance under an emergency declaration by the President.
- Length and time phasing of assistance
These funds are available only if the Supplemental Emergency Funding for Natural Disaster has been appropriated.
How to apply
- Application procedure
Applicants must file Form RD 410-4 at the Rural Development field office serving the county where the dwelling is located.
- Award procedure
Final approval of the application is given by the local or area office loan approval official.
- Time to approval or disapproval
From 30 to 60 days subject to the availability of funds, from the time the application is filed if no backlog of applications exist.
- Appeals
Applicants may request reconsideration at the local RD field office and may appeal adverse actions in accordance with 7 CFR Part 11. Appeals may be filed within 30 days after notification of the adverse decision is received by the loan/grant applicants.
Grant awards
| Award | Recipient | Federal obligations | Awarded |
|---|---|---|---|
| Section 504 natural disaster loans and g | — | $32,000 | |
| Section 504 natural disaster loans and g | — | $31,000 | |
| Section 504 natural disaster loans and g | — | $9,400 | |
| Section 504 natural disaster loans and g | — | $29,639 | |
| Section 504 natural disaster loans and g | — | $26,235 | |
| Section 504 natural disaster loans and g | — | $9,765 | |
| Section 504 natural disaster loans and g | — | $32,400 | |
| Section 504 natural disaster loans and g | — | -$4,543 | |
| Section 504 natural disaster loans and g | — | $32,420 | |
| Section 504 natural disaster loans and g | — | $1,134 |
Latest 10 of 3,388 listed here. See the rest on GovTribe.
Federal obligations by fiscal year
| Fiscal year | Federal obligations |
|---|---|
| FY2026 | $680,399 |
| FY2025 | $1,237,315 |
| FY2024 | $2,219,175 |
| FY2023 | $1,517,022 |
| FY2010 | $3,363,691 |
| FY2009 | $3,937,231 |
| FY2006 | $18,107,345 |
| FY2005 | $16,066,398 |
| FY2004 | $1,918,174 |
| FY2003 | $2,433,141 |
| FY2002 | $669,497 |
| FY2001 | $2,830,016 |
Show all 12
Quick answers
What is Assistance Listing 10.444?
Assistance Listing 10.444 is Direct Housing – Natural Disaster Loans and Grants, a federal grant program run by Rural Housing Service (Department of Agriculture).
What is the CFDA number for Direct Housing – Natural Disaster Loans and Grants?
Its CFDA number is 10.444: Assistance Listing numbers were called CFDA numbers before 2018.
How much funding has Assistance Listing 10.444 awarded?
3,388 grant awards under 10.444 have obligated $55,034,104 in federal funds.
How much did 10.444 obligate in fiscal year 2025?
Grants under 10.444 obligated $1,237,315 in federal funds in fiscal year 2025.
On GovTribe
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