USDA Rural Development
USDA Section 504 Home Repair Loans & Grants is available to homeowners in Miami, FL.
USDA Rural Development's Section 504 program provides very-low-income homeowners (≤50% AMI) with loans up to $50,000 to repair, improve, or modernize their homes. Homeowners age 62 or older who cannot repay a loan may receive grants up to $10,000 to remove health and safety hazards. The property must be in a USDA-eligible rural area, portions of greater Miami-Dade may qualify. Florida is included in the Materials Pilot Program for faster disbursement.
Most of Miami city is not USDA-rural eligible, but rural pockets of Miami-Dade (Homestead, Florida City, unincorporated south county) may qualify. Use the USDA Eligibility Site to check your address.
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 Miami, FL, you can stack it with local programs like these:
A grant-savvy contractor in Miami, 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 Miami 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 Royal Palm Beach Area Office
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 Miami, 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 561-792-2727. 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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