USDA Section 504 Home Repair Loan & Grant

USDA Rural Development

Available Home Repair

About This Program

Low-interest loans and grants for very-low-income homeowners in eligible rural areas near Bakersfield to repair or improve homes. Seniors (62+) may qualify for grants up to $10,000 for accessibility and safety improvements.

Combination of loan and grant based on income and age

Key Details

  • Loans up to $40,000 at 1% interest
  • Grants up to $10,000 for seniors 62+
  • Income at or below 50% AMI
  • Rural and semi-rural areas only
  • Repairs, accessibility, health/safety

How to Apply

Deadline: Rolling applications

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Grant-approved contractors understand the documentation, inspections, and timelines, so your funding releases on schedule.

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