USDA Offers Home Repair Loans & Grants for Homeowners with Low Income

California’s housing crisis has put a strain on many individuals and families with low income. It’s critically important that homeowners with low income, particularly seniors, be able to make 

Home Repair Loans & Grants Flyer
Click on the image above to open a PDF of the flyer.

necessary repairs to stay safely in their own homes.

The U.S. Department of Agriculture (USDA) is offering financial assistance to meet this community need.

The USDA’s Home Repair Loan and Grant Program offers qualifying rural homeowners low-interest loans or grants to repair roofing, siding, flooring, insulation, electrical, and other health and safety hazards. The program provides grants of up to $7,500 for individuals aged 62 and over and loans of to $20,000 (with interest as low as 1%) for qualifying low-income homeowners of any age.

In Nevada County, annual income limits are $38,350 for a household of one to four people and $50,650 for a household of five to eight people (see table below).

To qualify you must:

  • Be the homeowner and occupy the house
  • Be unable to obtain affordable credit elsewhere
  • Have a family income below 50% of the area’s median income
  • For grants, be age 62 or older and not be able to repay a repair loan

Nevada County Income Limits:

 Household Size1-4 People5-8 People
 Maximum Annual Income$38,350$50,650

To get your application started, contact Program Specialist Robert Canepa by phone at 530-217-6252 or by email at robert.canepa@usda.gov. USDA Rural Development’s nearest service center is located at 11661 Blocker Drive, Suite 120 in Auburn.To learn more about the Home Repair Loan and Grant Program’s requirements, check out the USDA website or download the flyer for more information.