USDA Section 504 Home Repair Loan

About This Program

Low-interest (1%) loans up to $40,000 for very low-income homeowners in eligible rural areas to repair, improve, or modernize their homes. El Campo may qualify as rural area. 20-year repayment terms available.

Loan at 1% interest over 20 years; typical monthly payment ~$184 per $40k borrowed

Key Details

• Up to $40,000 loan at 1% interest
• Very low income required (50% AMI or below)
• Must be owner-occupied in eligible rural area
• 20-year repayment term
• Covers repairs and accessibility modifications

How to Apply

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

Deadline: Year-round; contact local USDA office