USDA Rural Development, Nevada State Office
USDA Section 504 Home Repair Loan & Grant (Rural Areas Near Las Vegas) is available to homeowners in Las Vegas, NV.
USDA Section 504 provides loans up to $40,000 at 1% fixed interest (20-year term) and grants up to $10,000 to very-low-income homeowners in rural areas to remove health and safety hazards. Grant funds are only available for homeowners age 62 or older. Las Vegas proper is ineligible, but nearby communities like Pahrump, parts of unincorporated Clark County, and other towns with fewer than 35,000 residents may qualify. Contact the Las Vegas USDA office at 702-407-1400.
Must be in a rural eligible area (use rd.usda.gov/eligibility map); income at or below 50% AMI (very-low-income); grants for 62+, loans for all very-low-income; Las Vegas city proper typically ineligible
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 Las Vegas, NV, you can stack it with local programs like these:
A grant-savvy contractor in Las Vegas, NV 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 Las Vegas 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, Nevada selected for pilot program through December 2026
Ask us. It is free, and a real person answers within a business day.
Email us about this programUSDA Section 504 Home Repair Loan & Grant (Rural Areas Near Las Vegas) is open to homeowners in Las Vegas, NV. It prioritizes low-income households. It serves seniors.
Apply directly with USDA Rural Development, Nevada State Office using the official program link on this page or call 702-407-1400. There is no middleman and no fee. Deadline: Rolling, Nevada selected for pilot program through December 2026.
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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