NOTE: California is currently participating in a pilot program that increases the program limits. Grants are available up to $10,000 (up from $7,500) and loans are available up to $40,000 (up from $20,000) with a maximum of $50,000 (up from $27,500) assistance. Contact our staff to learn more.
What does this program do?
Also known as the Section 504 Home Repair program, this provides loans to very-low-income homeowners to repair, improve or modernize their homes or grants to elderly very-low-income homeowners to remove health and safety hazards.
For existing Section 502 direct and 504 borrowers who have received a payment moratorium related to COVID-19: The American Rescue Plan (ARP) Act of 2021 appropriated additional funds for Section 502 direct and 504 loans, to remain available until September 30, 2023. The focus will be to refinance existing Section 502 direct and Section 504 borrowers who have received a payment moratorium related to COVID-19. Beginning May 17, 2021, the Agency will accept applications from existing Section 502 direct and Section 504 loan borrowers, to refinance outstanding loans which have been in an approved COVID-19 moratorium. Additional information for these borrowers, including a standardized application package, is available at https://pubmai.sc.egov.usda.gov/.
Who may apply for this program?
To qualify, you must:
- Be the homeowner and occupy the house
- Be unable to obtain affordable credit elsewhere
- Have a household income that does not exceed the very low limit by county
- For grants, be age 62 or older
What is an eligible rural area?
Utilizing the USDA Eligibility Site you can enter a specific address for determination or just search the map to review general eligible areas.
How may funds be used?
- Loans may be used to repair, improve or modernize homes or remove health and safety hazards
- Grants must be used to remove health and safety hazards
How much money can I get?
- Maximum loan is $40,000
- Maximum grant is $10,000
- Loans and grants can be combined for up to $50,000 in assistance
What are the terms of the loan or grant?
- Loans are termed for 20 years
- Loan interest rate is fixed at 1%
- Full title service is required if the total outstanding balance on Section 504 loans is greater than $25,000
- Grants have a lifetime limit of $10,000
- Grants must be repaid if the property is sold in less than 3 years
Is there a deadline to apply?
- Applications for this program are accepted through your local RD office year round
How long does an application take?
Approval times depend on funding availability in your area. Talk to a USDA home loan specialist in your area for help with the application
Who can answer questions and how do I get started?
Contact a USDA home loan specialist in your area
What governs this program?
- The Housing Act of 1949 as amended, 7 CFR Part 3550
- HB-1-3550 - Direct Single Family Housing Loans and Grants Field Office Handbook
Why does USDA Rural Development do this?
Helping people stay in their own home and keep it in good repair helps families and their communities. Homeownership helps families and individuals build savings over time. It strengthens communities and helps many kinds of businesses that support the local economy.
NOTE: Because citations and other information may be subject to change, please always consult the program instructions listed in the section above titled "What Governs this Program?" Applicants may also contact your local office for assistance.
NOTE: Please select your state using the "Select your location" menu above. By doing so, any state specific forms and resources will be shown above this note.
Applicants interested in applying for a repair loan or grant can contact their local Rural Development office and provide the following documentation:
- Form RD 410-4, Uniform Residential Loan Application
- Form RD 3550-1, Request for Information
- Form RD 3550-4, Employment and Asset Certification
- All application items listed in Attachment 12-E Checklist
- Homeowners Information Guide - English version
- Homeowners Information Guide - Spanish version
Rural Development Staff and Application Packager Resources:
- The 504 Automated Worksheet is a tool designed to identify what type of assistance a homeowner may receive; however, is not a final eligibility determination. The tool can be used to package 504 loans and grants.
- Repair packagers are not subject to the certified packaging process for purchase loans. Information regarding the 504 packaging process can be found in HB-1-3550, Chapter 3, Attachment 3-A.
- Repair packagers must sign a Memorandum of Understanding (MOU) with the State Office.
- Allowable packaging fees to any public, tribe or private nonprofit organizations may be included in repair loans and grants.
- Packagers are encouraged to visit the Direct Loan Application Packagers page for information and resources specific to packaging Section 502 Home Purchase Program.
- Eligibility for repair assistance considers the applicant's age, household income, and Total Debt (TD) ratio. To qualify for a grant, the applicant must be 62 or older.
Individual states may have particular requirements based on state and local regulations. Please contact the state office in the state where your project is located.
There are no other additional requirements at the national level. If there are additional state-specific requirements they will be listed above.
Main Phone Number: (530) 792-5800 extension 1
USDA Rural Development
Attn: Single Family Housing
430 G St, Agency 4169
Davis, CA 95616
Stephen Nnodim, Single Family Housing Program Director
email@example.com | (530) 792-5830
Debbie Morris, State Loan Coordinator (South)
firstname.lastname@example.org | (530) 792-5820
Debbie Boyd, State Loan Coordinator (North) HPG Coordinator
email@example.com | (530) 217-6243
Maggie Slater, CA State Self Help Coordinator
firstname.lastname@example.org | (760) 347-3675 x122
Roger Gardner, Loan Specialist
email@example.com | (530) 792-5804
Paula Galvan, Loan Specialist
firstname.lastname@example.org | (530) 792-5823
Rosie Jaurige, Loan Technician
email@example.com | (530) 792-5809
Eduardo Saavedra, Loan Assistant
firstname.lastname@example.org | (530) 792-5826
Guaranteed loans are centralized across the state
Email address: SFHGLPONE@usda.gov
Direct loan and grant contacts
Glenn, Lassen, Modoc, Plumas, Shasta, Siskiyou, Tehama & Trinity Counties
Roger Horton, Area Coordinator
email@example.com | (530) 691-5849
Andrea Harbert, Loan Specialist
firstname.lastname@example.org | (530) 691-5854
Alameda, Del Norte, Humboldt, Monterey, San Benito, San Francisco, San Mateo, Santa Clara & Santa Cruz Counties
Sylvia Barbosa, Area Coordinator
email@example.com | (831) 975-7738
Lupe Benavides, Loan Specialist
firstname.lastname@example.org | (831) 975-7738
Amador, Alpine, Butte, Calaveras, Colusa, Contra Costa, El Dorado, Lake, Marin, Mendocino, Mono, Napa, Nevada, Placer, Sacramento, Sierra, Solano, Sonoma, Sutter, Yolo & Yuba Counties
Nicole Roldan-Leben, Area Coordinator
email@example.com | (530) 693-3162
Barinder Kaur, Loan Specialist
firstname.lastname@example.org | (530) 693-3174
Sumanjeet Dhanju, Loan Specialist
Sumanjeet.email@example.com | (530) 217-6252
Wanda Thompson, Loan Technician
firstname.lastname@example.org | (530) 217-6249
Fresno, Madera, Mariposa, Merced, San Joaquin, Stanislaus & Tuolumne Counties
Liz Vannata, Area Coordinator
email@example.com |(559) 490-8030
Doris Geisenheimer, Loan Specialist
firstname.lastname@example.org | (209) 205-4968
Alma Jaquez, Loan Specialist
email@example.com | 209-205-4970
Rebecca Didway, Loan Specialist
firstname.lastname@example.org | (559) 754-3158
Inyo, Kern, Kings, San Luis Obispo, Santa Barbara, Tulare & Ventura Counties
Stacy Lopez, Area Coordinator
email@example.com | (559) 754-3154
Fariha Harooni, Loan Specialist
firstname.lastname@example.org | (661) 281-2754
Imperial, San Diego, Los Angeles, Orange, Riverside & San Bernardino Counties
Patty Coronado, Area Coordinator
email@example.com | (760) 355-2208 x109
Teon Gore, Loan Specialist
firstname.lastname@example.org | (951) 902-6562
Carrie McLeod, Loan Specialist
email@example.com | (760) 347-3675x120
La Tasha Kendrix, Loan Specialist
firstname.lastname@example.org | (951) 902-6564
Alejandro Macias, Loan Specialist
email@example.com | (760) 355-2208 x105
Maurice Brundidge, Loan Specialist
firstname.lastname@example.org | (760)355-2208 X100
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