USDA Rural Development
USDA Section 504 Home Repair Loan & Grant is available to homeowners in San Jose, CA.
USDA Section 504 provides very-low-income homeowners in eligible rural areas with loans up to $40,000 (1% interest, 20-year term) and grants up to $10,000 for homeowners age 62+ who cannot repay a loan. Loans and grants can be combined up to $50,000. California is included in an active materials pilot program. Applicants must verify address eligibility at the USDA Eligibility Site, parts of San José's periphery may qualify.
Grant maximum for age-eligible very-low-income homeowners
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 San Jose, CA, you can stack it with local programs like these:
A grant-savvy contractor in San Jose, 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 San Jose 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, apply year-round through USDA Rural Development
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 San Jose, CA. It prioritizes low-income households. It serves seniors.
Apply directly with USDA Rural Development using the official program link on this page. 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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