USDA Section 504 Home Repair Loans & Grants

USDA Rural Development

Available Home Repair

About This Program

USDA provides low-interest loans up to $27,500 and grants up to $10,000 for very-low-income homeowners to repair or improve their homes. Grants available only to seniors 62+ who cannot afford loan repayment. Property must be in eligible rural area.

Loan at 1% interest or grant for seniors 62+ who qualify

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

Key Details

  • Loans up to $27,500 at 1% interest
  • Grants up to $10,000 for seniors 62+
  • Very low income required (50% AMI or below)
  • Must be in eligible rural area
  • Covers major repairs and accessibility improvements

How to Apply

A grant-savvy contractor in Groves, 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 Groves 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.

Email us about this program

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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