USDA Section 504 Home Repair Loans & Grants

About This Program

USDA Rural Development's Section 504 program provides very-low-income homeowners (≤50% AMI) with loans up to $50,000 to repair, improve, or modernize their homes. Homeowners age 62 or older who cannot repay a loan may receive grants up to $10,000 to remove health and safety hazards. The property must be in a USDA-eligible rural area — portions of greater Miami-Dade may qualify. Florida is included in the Materials Pilot Program for faster disbursement.

Most of Miami city is not USDA-rural eligible, but rural pockets of Miami-Dade (Homestead, Florida City, unincorporated south county) may qualify. Use the USDA Eligibility Site to check your address.

Key Details

• Grant up to $10,000 for seniors 62+ to remove health/safety hazards
• Loan up to $50,000 for very-low-income homeowners (≤50% AMI)
• Loans and grants can be combined for up to $50,000 total
• Property must be in a USDA-eligible rural area — check eligibility map first
• Contact USDA Royal Palm Beach Area Office: 561-792-2727

How to Apply

Deadline: Rolling — contact USDA Royal Palm Beach Area Office