USDA Section 504 Home Repair Loan

USDA Rural Development

Available Home Repair

About This Program

Very low-interest loans up to $40,000 for homeowners in qualifying rural areas to repair, improve, or modernize their homes. Bell Gardens may qualify depending on census tract designation. Available to very low-income homeowners unable to obtain affordable credit elsewhere.

Low-interest loan at 1% for 20 years; monthly payment approximately $183

Data last verified 2026-06-09. How we verify our data.

Key Details

  • Loan up to $40,000 at 1% interest
  • Very low-income homeowners only
  • Must be unable to obtain affordable credit elsewhere
  • Check if Bell Gardens census tract qualifies as rural
  • 20-year repayment term

How to Apply

A grant-savvy contractor in Bell Gardens, CA can handle the paperwork, inspections, and timelines so your funding releases on schedule. Getting matched is free.

You will likely need a contractor to apply

Projects like this almost always need a licensed contractor, and many grants ask for a written estimate as part of your application. Lining up a contractor in Bell Gardens early keeps your application moving.

Get matched with a contractor

Each program sets its own contractor rules. Check the official program page for exact requirements.

Deadline: Ongoing, subject to annual funding allocations

Questions about this program?

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Need a Contractor for This Grant?

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

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