USDA Section 504 Home Repair Loans and Grants
by USDA Rural Development
Very-low-income rural homeowners can get a 1% repair loan and, if age 62 or older, a grant.
Potential loan amount
Up to $50,000
One-time
Repayable — not free savings
What you can get
Loans up to $40,000 and grants up to $10,000 (combined up to $50,000 in the CA pilot)
Financing up to $50,000. Repayable — not free savings.
Published range: not stated to $50,000 (financing amount)
California is in a pilot that publishes grants up to $10,000, loans up to $40,000, and combined assistance up to $50,000. The home must be in an eligible rural area. Income must be very low by USDA county tables. Grants generally must be repaid if the home is sold within three years. This is rural housing assistance, not a city rebate.
Overview
Very-low-income rural homeowners can get a 1% repair loan and, if age 62 or older, a grant.
Who may qualify
- You must own and occupy the home.
- Homeowner programs require ownership.
Location / service area
Statewide in California
How to apply
Use the official application or program page. Confirm current instructions with the administrator before you apply.
Preapproval required
Important things to know
Last verified: Sep 6, 2026 · Confidence: High
Official sources
Not sure what you qualify for?
Check your eligibility. We’ll compare your answers with published program rules.
Eligibility is based on published program information and the details you provide. Program rules, funding and availability can change. Always confirm eligibility with the official program administrator.