USDA Section 504 Home Repair Loan & Grant

U.S. Department of Agriculture Rural Development

Available Senior & Disability

About This Program

USDA program for very low-income homeowners in eligible rural areas to repair, improve, or modernize homes. Offers low-interest loans and grants for seniors (62+) to remove health and safety hazards. Lafayette may qualify in certain areas.

Typical package combining maximum loan and senior grant

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

Key Details

  • Loans up to $40,000 at 1% interest for very low-income
  • Grants up to $10,000 for seniors 62+ to remove hazards
  • Available in eligible rural areas (check Lafayette eligibility)
  • Covers health/safety repairs, accessibility modifications
  • Must be unable to obtain affordable credit elsewhere

How to Apply

A grant-savvy contractor in Lafayette, 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 Lafayette 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: Applications accepted year-round, subject to funding

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 Lafayette, CA

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

See All Programs