USDA Section 504 Home Repair Program

USDA Rural Development

Available Home Repair

About This Program

USDA program providing loans up to $40,000 and grants up to $10,000 for very low-income homeowners in rural areas to repair, improve, or modernize their homes. Grants available only to seniors 62+ who cannot repay a loan, for accessibility and safety hazards.

Estimate combines typical grant for seniors removing health/safety hazards

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

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

Key Details

  • Loans up to $40,000 at 1% interest, 20-year term
  • Grants up to $10,000 for seniors 62+ who cannot repay loan
  • Very low income required (50% AMI or below)
  • Must be in rural area (Decatur qualifies)
  • Repairs must remove health/safety hazards

How to Apply

A grant-savvy contractor in Decatur, 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 Decatur 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: Ongoing, apply through local USDA office

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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