Rhode Island | RCAP Solutions

RCAP Solutions Partnering with USDA Rural Development to Help Very-Low-Income, Rural Homeowners with Funding to Repair, Improve, and Modernize Their Houses

Full Press Release

RCAP Solutions and the U.S. Department of Agriculture Rural Development (Southern New England Region) are proud to announce a partnership between our two agencies in helping very-low-income, rural homeowners with funding to repair, improve, and modernize their houses.

The USDA’s Section 504 Home Repair Program provides funding in the form of a 1% fixed-interest loan up to $40,000 to complete single-family home repairs or to remove health and safety hazards. In addition, applicants 62 years of age or older are eligible for a $10,000 grant. The loan and grant may be combined for up to $50,000 in assistance. In order to quality for assistance, the family must be very-low-income and live in an eligible rural area. You can visit the USDA Income and Property Eligibility website for complete details.

RCAP Solutions will be acting as a “loan packager” on behalf of USDA Rural Development and eligible homeowners; performing credit checks for applicants, providing guidance on bids and repairs that need to be made, and ensuring all documents listed in the application checklist are submitted.

USDA Rural Development’s Single Family Home Repair Loans and Grants are a perfect complement to RCAP Solutions’ Home Modification Loan Program (HMLP), which provides funding to homeowners to make accessibility changes to keep themselves or a family member with a disability or mobility impairment living comfortably in their own home. Loans are 0% interest and can range from $1,000 to $50,000.

RCAP Solutions has been administering HMLP since 2000 in collaboration with the Massachusetts Rehabilitation Commission (MRC) and the Community Economic Development Assistance Corporation (CEDAC). The program has generous income guidelines and allows for accessibility renovations based on the household member’s medical need. HMLP can benefit anyone in the house who has a disability or mobility impairment; the homeowner themself, their child, or an elderly family member. Possible home modifications can include ramps, stair lifts, walk-in bathtubs, and much more.

RCAP Solutions has a long-standing relationship with numerous federal and state branches of the USDA. The department is one of RCAP Solutions primary partners and funders directly involved in the implementation of our Community & Environmental Resources programs.

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‘Twas Mid December at RCAP Solutions…

‘Twas Mid-December and all through the skies,
RCAP teams with care and wise.
In every office, staff worked with glee,
Offering essential aid, as busy as can be.

The needy many, deserving of cheer,
In this season of giving, their hopes draw near.
For when the demand rises, so great and so clear,
RCAP’s dedication shines, year after year.

In our Housing Consumer Education Center,
We make sure every client has a supportive mentor,
To assist in all aspects of home ownership and leasing,
In case you should see a problem increasing,
If a concern should arise, there’s lending or training,
Should you find your bank account suddenly draining.

With Subsidized Housing, we help pay the rent,
Offering programs for both landlord and tenant.
Everyone deserves a safe home and a bed,
Where each family member can rest their head.
We can also assist with housing mobility,
And case management for economic stability.

Our Housing for Seniors and the Mobility Impaired,
Offers features and services that can’t be compared.
Our professional staff is supportive and giving,
With countless services for independent living.
For those who reside in RCAP’s great care,
Our teams will provide for ALL who live there.

Our Environmental Crew work with communities to ensure,
The water that pours from the tap is pure.
From Maine to Pennsylvania, we offer technical assistance,
For those in rural regions, we’ll travel the distance.
Whether it’s wastewater, mapping, training, and more,
We’ll assess your infrastructure, and help settle the score.

The Caribbean Team helps the islands with pollution,
Teaching about recycling, and solid waste solutions.
We offer disaster planning, and prepare for the future,
Should climate change impact your region and need suture.
Financial assistance for septic or well repair,
We’re here for our communities, never despair!

Here in Massachusetts, we’re Advocating for Change,
For private well homeowners, who may need a range,
Of regulations for education, testing, and support,
Should their water tests come up short,
And need repair to keep families in good health,
For every resident, across the Commonwealth.

Our Administrative Staff provides support to our programs,
IT keeps us online, and safely protected from scams.
Finance cuts checks and keeps the books in balance,
HR supports the organization, hiring people with talents.
Marketing ensures the public is in the know,
And Development guarantees that funding won’t slow.

In the Northeast our influence spreads, far and wide in stride,
In Puerto Rico and Virgin Islands, forever shall we reside.
Fostering community’s power, potential, a bond we unify,
In this commitment, our focus and unity lie.

Nurturing strength, resilience, and confidence, our gift to bestow,
Supporting individuals, families, communities, helping them grow.

RCAP Solutions Partnering with USDA to Help Very-Low-Income, Rural Homeowners with Funding to Repair, Improve, and Modernize Their Houses