USDA Section 504 Home Repair Program

U.S. Department of Agriculture Rural Development

Available Senior & Disability

About This Program

Low-interest loans and grants for very low-income homeowners in eligible rural areas to repair, improve, or modernize their homes or remove health and safety hazards. Grants available to seniors age 62+ who cannot repay a loan.

Loans at 1% interest for up to 20 years; grants for seniors 62+ who cannot afford loan

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

Key Details

  • Low-interest loans up to $40,000 at 1% rate
  • Grants up to $10,000 for seniors 62+ who cannot repay loan
  • Very low income required (50% AMI or below)
  • Must be in USDA-eligible rural area (check eligibility)
  • Covers health/safety hazards and accessibility

How to Apply

A grant-savvy contractor in Laguna Beach, 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 Laguna Beach 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

Questions about this program?

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