Calling all mobile and manufactured homeowners in South Dakota!

Did you know you may be eligible for financial assistance to help with critical repairs, weatherization upgrades, or even full home replacement? Many state, federal, and nonprofit programs exist specifically to support mobile home owners like you with essential home repairs.

One of the most widely available resources is the USDA’s Section 504 Home Repair Program. This federal program offers loans and grants to help repair, improve, or modernize your home, and to eliminate health and safety hazards. Homeowners can apply for loans up to forty thousand dollars. Seniors aged sixty-two or older may be eligible for grants of up to ten thousand dollars, or fifteen thousand in designated disaster areas.

To qualify, you must own and occupy the home as your primary residence, and your household income must fall within the USDA’s low-income limits. If you’re approved for a loan above twenty-five thousand dollars, the USDA will also require full title service or a legal check to verify ownership and property records. This program is especially helpful for homeowners in rural areas, and it can cover repairs like roofing, electrical work, or accessibility modifications that make your home safer and more livable.

In South Dakota, NeighborWorks Dakota Home Resources along the I‑90 corridor offers repair loans, often low‑interest or forgivable, for life‑and‑safety home fixes, including roofing, plumbing, windows, doors, heating and electrical work. If you own a manufactured home, you may qualify if the home is on a permanent foundation, the land is owned, and the title is surrendered.

There’s also the statewide Weatherization Assistance Program, run by South Dakota’s Department of Social Services, which provides free energy‑saving upgrades like insulation, sealing drafts, replacing or repairing heating systems, and other work to cut utility bills. It’s income‑based, prioritizes seniors, families with children, or those with disabilities — and for renters, the landlord usually has to agree.

There are also nonprofit organizations that may be able to help, depending on where you live and what you need. Groups like Rebuilding Together and Habitat for Humanity sometimes offer free or low-cost repair services for low-income mobile home owners, seniors, or people with disabilities. Program availability and eligibility requirements may vary by county or change over time, so be sure to check with the administering organization for the most up-to-date information.

If you’re a mobile home owner in South Dakota, these resources can make a real difference in maintaining the safety, value, and comfort of your home.

Overview:

  • The USDA Section 504 Home Repair Program offers loans and grants to help repair and improve your home.
  • NeighborWorks Dakota Home Resources offers low-interest or forgivable rpair loans to homeowners along the I-90 corridor.
  • The Weatherization Assistance Program provides free energy-saving upgrades to income-qualifying homeowners, especially seniors, families, and those with disabilities.
  • Non-profit organizations like Rebuilding Together and Habitat For Humanity sometimes offer low-cost repair surfaces for low-income households or homeowners with disabilities.

Programs and Resources:

USDA Section 504 Home Repair Program / Single Family Housing Repair Loans & Grants
https://www.rd.usda.gov/programs-services/single-family-housing-programs/single-family-housing-repair-loans-grants
NeighborWorks Dakota Home Resources
https://www.neighborworksdhr.org/home-rehab/
Rebuilding Together / Find your local affiliate
https://rebuildingtogether.org/find-your-local-affiliate
Habitat for Humanity / Find your local habitat
https://www.habitat.org/volunteer/near-you/find-your-local-habitat