USDA Section 504 Home Repair Loan & Grant

USDA Rural Development

Available Senior & Disability

About This Program

Low-interest loans and grants for 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 grant assistance up to $10,000.

Loan at 1% interest plus grant component for seniors; varies by income and need

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

This is a national program. In Cypress, TX, you can stack it with local programs like these:

Key Details

  • Loans up to $27,500 at 1% interest
  • Grants up to $10,000 for seniors 62+
  • Very low income requirement (50% AMI or below)
  • Must be in USDA-eligible rural area
  • Removes health/safety hazards, improves accessibility

How to Apply

A grant-savvy contractor in Cypress, 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 Cypress 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: Applications accepted year-round

Questions about this program?

Ask us. It is free, and a real person answers within a business day.

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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.

Find More Programs in Cypress, TX

This is just one of many grants, rebates, and free programs available. Stack them together to maximize your savings.

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