USDA Section 504 Home Repair Loan

USDA Rural Development

Available Home Repair

About This Program

Low-interest loan for very-low-income rural homeowners to repair, improve, or modernize their homes. King City qualifies as a rural area. Loans up to 20 years at 1% interest for homeowners unable to obtain affordable credit elsewhere.

Low-interest loan; monthly payment approximately $185 for 20-year term

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

Key Details

  • Loan up to $40,000 at 1% fixed interest
  • Income at or below 50% area median
  • Must own and occupy home in King City
  • 20-year repayment term available
  • Cannot obtain affordable credit elsewhere

How to Apply

A grant-savvy contractor in King City, 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 King City 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: Rolling applications

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.

Find More Programs in King City, CA

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