USDA Rural Development
Low-interest loans for very-low-income rural homeowners to repair, improve, or modernize their homes. Cleveland qualifies as a rural area. Loans are repaid over 20 years at 1% fixed interest rate.
Low-interest loan repaid over 20 years
Data last verified 2026-06-09. How we verify our data.
This is a national program. In Cleveland, TX, you can stack it with local programs like these:
A grant-savvy contractor in Cleveland, 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 Cleveland early keeps your application moving.
Get matched with a contractorEach program sets its own contractor rules. Check the official program page for exact requirements.
Deadline: Rolling applications year-round
Ask us. It is free, and a real person answers within a business day.
Email us about this programGrant-approved contractors understand the documentation, inspections, and timelines, so your funding releases on schedule.
Rebates and discounts that stack on top of any grant. Most are free to use.
This is just one of many grants, rebates, and free programs available. Stack them together to maximize your savings.
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