Rural Housing Repair and Rehabilitation Loans are loans funded directly by the Government.  These loans are available to very low-income rural residents who own and occupy a dwelling in need of repairs.  Funds are available for repairs to improve or modernize a home, or to remove health and safety hazards.  This loan is a 1% loan that may be repaid over a 20-year period.

http://www.rurdev.usda.gov/rhs/sfh/brief_repairloan.htm.