USDA Section 504 Home Repair Loan & Grant

USDA Rural Development

Available Home Repair

About This Program

USDA program providing loans and grants to very-low-income rural homeowners in eligible areas of Merced County to repair, improve, or modernize homes. Grants up to $7,500 for seniors 62+ to remove health and safety hazards; loans up to $40,000 at 1% interest.

Grant amount for seniors removing hazards; loans available for broader repairs

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

Key Details

  • Grants up to $7,500 for seniors 62+ to remove hazards
  • Loans up to $40,000 at 1% interest for repairs
  • For very-low-income rural homeowners
  • Must be in USDA-eligible rural area of Merced County
  • Covers structural repairs, accessibility, hazard removal

How to Apply

A grant-savvy contractor in Merced, 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 Merced 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?

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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