U.S. Department of Agriculture, Rural Development
USDA Section 504 Home Repair Loan & Grant is available to homeowners in Sacramento, CA.
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 program, maintained from the official federal source.
Data last verified 2026-04-03. How we verify our data.
In Sacramento, CA, you can combine this program with other local help to cut your cost:
A grant-savvy contractor in Sacramento, CA 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 Sacramento 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, must verify property is in USDA-eligible rural area
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 is open to homeowners in Sacramento, CA. It prioritizes low-income households. It serves seniors.
Apply directly with U.S. Department of Agriculture, Rural Development using the official program link on this page or call 800-414-1226. 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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