USDA Section 504 Home Repair Loan & Grant
USDA Rural Development
About This Program
USDA Section 504 provides low-interest loans and grants to very low-income homeowners to repair, improve, or modernize their homes or remove health and safety hazards. Santa Monica is not designated as a rural area and is not eligible for this program.
Program not available in Santa Monica urban area
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Record set last reviewed 2026-06-09. How we verify our data.
This is a national program. You can also review these local programs in Santa Monica, CA; confirm separately whether they can coordinate:
Key Details
- Low-interest loans and grants for home repair
- Santa Monica is not eligible (not rural area)
- Program serves USDA-designated rural areas only
- See other Santa Monica programs for assistance
- Seniors 62+ may qualify for grant portion elsewhere
How to Apply
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Track this programProgram phone: (800) 670-6553
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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: Not available in Santa Monica (not designated rural area)
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Find More Programs in Santa Monica, 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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