USDA Section 504 Home Repair Loan & Grant
U.S. Department of Agriculture, Rural Development
About This Program
The Grant Map catalogs USDA Section 504 Home Repair Loan & Grant in its Sacramento, CA research directory. The record carries audience tags for homeowners; those tags do not establish eligibility or current service coverage.
USDA Section 504 offers very-low-income homeowners in rural areas loans up to $40,000 at 1% interest to repair homes, and grants up to $10,000 for elderly homeowners (62+) to remove health and safety hazards. Loans and grants can be combined for up to $50,000 in total assistance. Some Sacramento County rural and semi-rural addresses qualify, check the USDA eligibility map.
Must verify rural area eligibility at eligibility.sc.egov.usda.gov; most of Sacramento city proper does not qualify
Federal record normalized from a maintained federal layer; confirm current terms.
Record set last reviewed 2026-04-03. How we verify our data.
Other published resources for Sacramento, CA, are listed below. Review each separately and ask the administrators whether they can coordinate funding for the same work:
- SHRA Home Repair Program (HRP) Up to $10,000
- SHRA Lead Hazard Reduction Grant Program Up to $10,000 per unit
- Justice for Neighbors Emergency Home Repair Program Up to $15,000 per household
- Rebuilding Together Sacramento, Safe at Home Safety Modifications Free modifications, no dollar cap stated
Key Details
- Grant up to $10,000 for homeowners 62+ to remove health/safety hazards (no repayment)
- Loan up to $40,000 at 1% fixed interest for repairs (loans may be combined with grant)
- Rural area required, verify your address at USDA eligibility map
- Very low income requirement (≤50% area median income)
- California Rural Development office: 800-414-1226
How to Apply
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Track this programProgram phone: 800-414-1226
Some programs require contractor estimates, licenses, or inspections. A cited link may be general, so confirm the current rules with the administrator before hiring; a directory match does not guarantee contractor eligibility or funding.
You may need a contractor or estimate
Some programs for this project type ask for a license, inspection, or written estimate. Confirm the rule before contacting a contractor in Sacramento.
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Your application paperwork
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
- Check that your address is in an eligible rural area on the USDA eligibility site.
- Contact your local USDA Rural Development office.
- Complete the application packet (Form RD 410-4, plus RD 3550-1 and RD 3550-4).
- USDA verifies your income, age, and eligibility, then approves the repair work.
Documents you will likely need
- Proof you own and live in the home.
- Income verification for your household.
- Proof of age (for the grant, age 62 or older).
- Estimates for the repair work.
Requirements vary by program and locality. Confirm the exact rules and application route with the administrator. We can help you prepare your paperwork, but you submit it yourself.
Deadline: Rolling, must verify property is in USDA-eligible rural area
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Frequently asked questions
What audience tags are recorded for USDA Section 504 Home Repair Loan & Grant in Sacramento?
The directory record carries audience tags for homeowners. It also carries a low-income tag. It carries a senior-related tag. These tags do not establish eligibility; confirm the complete current rules with the administrator.
How do I apply for USDA Section 504 Home Repair Loan & Grant in Sacramento, CA?
Confirm the application route directly with U.S. Department of Agriculture, Rural Development; use the cited source on this page as a starting point or call 800-414-1226. Confirm any fee or cost with the administrator.
Need a Contractor for This Project?
Browse local listings or request an introduction. The Grant Map does not guarantee licensing, program experience, work quality, or funding.
More ways to save on this project
Rebates and discounts that may reduce project cost. Confirm eligibility and coordination rules before including one in your budget.
Find More Programs in Sacramento, CA
This is one of several kinds of assistance that may be available. Review other programs separately and confirm whether their administrators allow coordination for the same work.
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