USDA Section 504 Home Repair Program

USDA Rural Development

Available Home Repair

About This Program

Low-interest loans and grants to very-low-income homeowners to repair, improve, or modernize their homes or remove health and safety hazards. Grants up to $10,000 available for seniors 62+ unable to repay a loan.

Grant estimate for senior homeowner with qualifying repairs

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

Key Details

  • Loans up to $40,000 at 1% interest, 20-year term
  • Grants up to $10,000 for seniors 62+ unable to repay loan
  • Income must be below 50% area median
  • Must be in eligible rural area (verify Heath eligibility)
  • Repairs must remove health/safety hazards or accessibility

How to Apply

A grant-savvy contractor in Heath, 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 Heath 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: Rolling applications, subject to funding

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.

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