USDA Section 504 Home Repair Loans & Grants

About This Program

USDA Section 504 provides very-low-income homeowners with loans of up to $40,000 at 1% interest for 20 years to repair or modernize their home, plus grants of up to $10,000 (for homeowners 62 or older) to remove health and safety hazards. Loans and grants can be combined for up to $50,000 in assistance. Properties must be in USDA-eligible rural areas — verify your specific Jacksonville address at the USDA eligibility site, as some Duval County areas qualify.

Must verify rural area eligibility at eligibility.sc.egov.usda.gov; income must not exceed USDA very-low-income limits for Duval County

Key Details

• Very-low-income homeowners only; must own and occupy as primary residence
• Grants up to $10,000 for homeowners age 62 or older — no repayment
• Loans up to $40,000 at 1% interest over 20 years
• Property must be in a USDA-eligible rural area — verify address first
• Contact USDA Rural Development Florida at 352-338-3400

How to Apply

Deadline: Rolling — contact USDA Rural Development Florida office; year-round while funding lasts