USDA Section 504 Home Repair Program

U.S. Department of Agriculture Rural Development

Available Senior & Disability

About This Program

Federal loans and grants to very low-income homeowners in eligible rural areas to repair, improve, or modernize homes or remove health and safety hazards. Seniors 62+ may qualify for grants up to $10,000 for accessibility modifications.

Estimate assumes senior homeowner qualifying for maximum grant plus small loan

Data last verified 2026-06-09. How we verify our data.

Key Details

  • Loans up to $40,000 at 1% interest
  • Grants up to $10,000 for seniors 62+
  • Very low income required (50% AMI or below)
  • Must be in eligible rural or suburban area
  • Covers repairs, accessibility, hazard removal

How to Apply

A grant-savvy contractor in Bellaire, TX 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 Bellaire early keeps your application moving.

Get matched with a contractor

Each program sets its own contractor rules. Check the official program page for exact requirements.

Deadline: Year-round applications

Questions about this program?

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Need a Contractor for This Grant?

Grant-approved contractors understand the documentation, inspections, and timelines, so your funding releases on schedule.

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