USDA Section 504 Home Repair Program

U.S. Department of Agriculture Rural Development

Available Home Repair

About This Program

Federal program providing low-interest loans and grants to very low-income homeowners in eligible rural areas to repair, improve, or modernize homes. Grants available to elderly (62+) homeowners unable to repay a loan, limited to removing health and safety hazards.

Combination of loan at 1% interest and grant for senior homeowners

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

Key Details

  • Loans up to $40,000 at 1% interest for 20 years
  • Grants up to $10,000 for seniors 62+ who cannot repay loan
  • Very low income requirement (50% area median income)
  • Must be in eligible rural area
  • Covers health/safety hazards and accessibility needs

How to Apply

A grant-savvy contractor in Morgan Hill, 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 Morgan Hill 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, subject to annual funding

Questions about this program?

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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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