USDA Section 504 Home Repair Program

USDA Rural Development

Available Home Repair

About This Program

Low-interest loans and grants for very low-income homeowners to repair, improve, or modernize their homes or remove health and safety hazards. Grants available only to seniors 62+ who cannot repay a loan. La Palma may qualify as eligible area.

Amount based on repair needs, income, and age; seniors may receive grants

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

Key Details

  • Loans up to $40,000 at 1% interest for 20 years
  • Grants up to $10,000 for seniors 62+ unable to repay loan
  • Very low income required (50% AMI or below)
  • Must be owner-occupied
  • Check USDA eligibility for La Palma address

How to Apply

A grant-savvy contractor in La Palma, 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 La Palma 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, contact local USDA office

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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