USDA Section 504 Home Repair Loan

U.S. Department of Agriculture Rural Development

Available Home Repair

About This Program

Very low-interest loan (1%) for very low-income homeowners to repair, improve, or modernize their homes. Available if property is in USDA-eligible area. Repayment period up to 20 years.

Low-interest loan at 1% APR with up to 20-year repayment term

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

Key Details

  • Loan up to $40,000 at just 1% interest
  • 20-year repayment term available
  • Income must be below 50% AMI
  • Must be in USDA rural-eligible area
  • Can combine with $10,000 grant if 62+

How to Apply

A grant-savvy contractor in La Puente, 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 Puente 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.

Email us about this program

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 La Puente, CA

This is just one of many grants, rebates, and free programs available. Stack them together to maximize your savings.

See All Programs