USDA Section 504 Home Repair Loan
U.S. Department of Agriculture
About This Program
Low-interest loan for very-low-income rural homeowners to repair, improve, or modernize their homes. Cambridge is not eligible as it is designated as an urban area under USDA definitions.
Program not available in Cambridge due to urban classification
Federal record normalized from a maintained federal layer; confirm current terms.
Record set last reviewed 2026-05-25. How we verify our data.
Other published resources for Cambridge, MA, are listed below. Review each separately and ask the administrators whether they can coordinate funding for the same work:
- FEMA Hazard Mitigation Grant Program (HMGP) Varies, no individual cap; projects typically $10K-$200K+
- FEMA Increased Cost of Compliance (ICC) Coverage Up to $30,000
- HUD Lead Hazard Control & Healthy Homes Varies by jurisdiction, typically $5,000-$15,000 per unit
- EPA / WIIN Act Lead Service Line Replacement Varies, full line replacement cost covered in many programs
Key Details
- Not available in Cambridge (urban area)
- Limited to USDA-designated rural areas
- Very-low-income requirement
- Loan up to $40,000 at 1% interest
- Contact USDA for eligible Massachusetts locations
How to Apply
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Track this programProgram phone: (800) 670-6553
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Deadline: Not available in Cambridge (urban area)
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