USDA Section 504 Home Repair Loan & Grant

U.S. Department of Agriculture Rural Development

Available Home Repair

About This Program

Low-interest loans and grants for very-low-income homeowners to repair, improve, or modernize homes or remove health and safety hazards. Grants available only to seniors 62+ unable to repay a loan. Los Altos is not designated rural but nearby areas may qualify.

Grant portion for seniors 62+; loans for others at 1% interest

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

Key Details

  • Low-interest loan up to $27,500 at 1%
  • Grant up to $10,000 for seniors 62+ who cannot repay loan
  • Very low income required (50% AMI or below)
  • Must be in USDA-designated rural area
  • Check eligibility—Los Altos itself may not qualify

How to Apply

A grant-savvy contractor in Los Altos, 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 Los Altos 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 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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