What is the USDA Section 504 program?
USDA Rural Development offers Single Family Housing Repair Loans and Grants: loans for low and very-low income owners who can't get affordable credit elsewhere, and grants for very-low-income owners 62 or older to remove health and safety hazards. The home must be in an eligible rural area, which rules out most of the urban Bay Area.
What about local programs?
Some cities and counties offer home repair help for low-income or senior owners, often with waiting lists. Ask your city or county housing department what's available.
What about financing?
See how to pay for a new roof for PACE, loans and what to watch for.
How do I spot a 'free roof' scam?
Be wary of door-to-door offers, pressure to sign, anyone who offers to cover your insurance deductible, or a request for a large down payment. California law caps the down payment on a home improvement contract (CSLB). See roofing scams.
For your actual price, request a free written estimate: a licensed roofer measures the roof and prices your exact scope.
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Get a free replacement quoteFrequently asked questions
Does the government pay for new roofs?
USDA's Section 504 program helps low and very-low income owners in eligible rural areas. Most Bay Area cities aren't eligible.
Is a 'free roof through insurance' offer legit?
Be cautious. Insurance pays only for covered damage, and contractors generally can't offset your deductible.
Can seniors get help with a roof?
USDA 504 grants serve very-low-income owners 62 and older in eligible rural areas; ask your city about local programs.
Sources
- USDA: Single Family Housing Repair Loans and Grants
- Business and Professions Code 7159.5
- Penal Code 551
Sources reviewed November 12, 2026. Figures are published estimates and official fees, not quotes. Confirm prices, permits and requirements with your contractor and building department. This page is general information, not legal or insurance advice.