USDA Rural Development
Federal program providing low-interest loans up to $40,000 and grants up to $10,000 (for seniors 62+) to repair, improve, or modernize homes in eligible rural areas near San Mateo. Grants focus on removing health and safety hazards.
Grant available for seniors 62+; loans for others at 1% interest
Federal program, maintained from the official federal source.
Data last verified 2026-06-09. How we verify our data.
This is a national program. In San Mateo, CA, you can stack it with local programs like these:
A grant-savvy contractor in San Mateo, 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 San Mateo early keeps your application moving.
Get matched with a contractorEach program sets its own contractor rules. Check the official program page for exact requirements.
Form to file: USDA Form RD 410-4 (with RD 3550-1 and RD 3550-4)
Very low income rural homeowners can get a loan to repair or modernize their home, and homeowners age 62 and older can get a grant to remove health and safety hazards. Loans and grants combine up to 50,000 dollars, with grants capped at 10,000 dollars. You apply through your local USDA Rural Development office.
Steps to apply
Documents you will likely need
Requirements vary by program and locality. Confirm the exact rules on the official program page. We can help you prepare your paperwork, but you submit it yourself.
Deadline: Rolling applications
Ask us. It is free, and a real person answers within a business day.
Email us about this programGrant-approved contractors understand the documentation, inspections, and timelines, so your funding releases on schedule.
Rebates and discounts that stack on top of any grant. Most are free to use.
This is just one of many grants, rebates, and free programs available. Stack them together to maximize your savings.
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