USDA Section 504 Home Repair Loan & Grant

USDA Rural Development

Available Home Repair

About This Program

USDA program providing low-interest loans (1% fixed) and grants to very-low-income homeowners in eligible rural areas to repair, improve, or modernize their homes or remove health and safety hazards. Grants available for homeowners 62+ who cannot repay a loan.

Combines low-interest loan with potential grant for seniors; estimate reflects typical combined package

Key Details

  • Loan up to $40,000 at 1% interest for 20 years
  • Grant up to $10,000 for seniors 62+ unable to repay loan
  • Income must be below 50% area median
  • Must be unable to obtain affordable credit elsewhere
  • Covers repairs, accessibility modifications, hazard removal

How to Apply

Get free help applying Visit Official Program Page Track this program

(979) 316-5700

A grant-savvy contractor in Bridge City, TX can handle the paperwork, inspections, and timelines so your funding releases on schedule. Getting matched is free.

Deadline: Applications accepted year-round

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