USDA Section 504 Home Repair Loan

About This Program

USDA Section 504 provides up to $40,000 in low-interest loans (1% fixed, 20-year term) to very-low-income homeowners in eligible rural areas to repair, improve, or modernize their home or to remove health and safety hazards. Eligible rural areas of San Diego County include parts of East County and unincorporated communities. Income must be at or below 50% of the Area Median Income.

Income at or below 50% AMI; property must be in an eligible USDA rural area of San Diego County (check eligibility map at rd.usda.gov); must be owner-occupied

Key Details

• 1% fixed-rate loan for up to 20 years — very affordable terms
• Income at or below 50% AMI required
• Eligible rural areas of San Diego County only — check USDA eligibility map
• Covers health/safety hazards, structural repairs, modernization
• Call USDA Rural Development at 1-833-ONE-USDA to check area eligibility

How to Apply

Deadline: Rolling