USDA Section 504 Home Repair Loan/Grant

U.S. Department of Agriculture Rural Development

Available Home Repair

About This Program

Low-interest loans and grants for very low-income homeowners in eligible rural areas to repair, improve, or modernize homes, or remove health and safety hazards. Grants available only to seniors (62+) who cannot repay a loan.

Loan at 1% interest; grant up to $10,000 if 62+ and cannot repay

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

Key Details

  • Loan up to $40,000 at 1% interest for repairs
  • Grant up to $10,000 for seniors 62+ unable to repay
  • Very low-income requirement (50% AMI)
  • Must own and occupy home in eligible rural area
  • Check USDA eligibility maps for Goleta census tracts

How to Apply

A grant-savvy contractor in Goleta, 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 Goleta 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 funding availability

Questions about this program?

Ask us. It is free, and a real person answers within a business day.

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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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