USDA Rural Development
USDA Section 504 Home Repair Loans & Grants is available to homeowners in Jacksonville, FL.
USDA Section 504 provides very-low-income homeowners with loans of up to $40,000 at 1% interest for 20 years to repair or modernize their home, plus grants of up to $10,000 (for homeowners 62 or older) to remove health and safety hazards. Loans and grants can be combined for up to $50,000 in assistance. Properties must be in USDA-eligible rural areas, verify your specific Jacksonville address at the USDA eligibility site, as some Duval County areas qualify.
Must verify rural area eligibility at eligibility.sc.egov.usda.gov; income must not exceed USDA very-low-income limits for Duval County
Federal program, maintained from the official federal source.
Data last verified 2026-04-03. How we verify our data.
This is a national program. In Jacksonville, FL, you can stack it with local programs like these:
A grant-savvy contractor in Jacksonville, FL 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 Jacksonville 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, contact USDA Rural Development Florida office; year-round while funding lasts
Ask us. It is free, and a real person answers within a business day.
Email us about this programUSDA Section 504 Home Repair Loans & Grants is open to homeowners in Jacksonville, FL. It prioritizes low-income households. It serves seniors.
Apply directly with USDA Rural Development using the official program link on this page or call 352-338-3400. There is no middleman and no fee.
Grant-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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