USDA Section 504 Home Repair Program

USDA Rural Development

Available Home Repair

About This Program

Provides 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 up to $10,000 available to homeowners 62+ who cannot repay a loan. Certain rural Napa County areas may qualify.

Loan up to $40,000 at 1% interest, or grant up to $10,000 for seniors

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

Key Details

  • Loan up to $40,000 at 1% interest
  • Grant up to $10,000 for seniors 62+ (very low income)
  • Must be in eligible rural area
  • Covers health, safety, and accessibility repairs
  • Very low income requirement (50% AMI)

How to Apply

A grant-savvy contractor in Napa, 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 Napa 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 applications

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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