This program will provide deferred loans up to $40,000 to rural, low-income households that need repairs and improvements on their primary residence for health, safety or durability. Homeowners earning up to 200 percent of the federal poverty level are eligible. Eligible improvements include rot removal, foundation/structural improvements, energy improvements, lead paint and asbestos work, improvements for handicapped persons, repair or replacement of major housing systems, emergency storm repairs, seismic retrofits or radon mitigation.