USDA Section 504 Home Repair Loan

USDA Rural Development

Available Home Repair

About This Program

Low-interest loans for very low-income homeowners in eligible rural areas to repair, improve, or modernize their homes. Hewitt residents may qualify depending on location. Loans are repaid over 20 years at 1% interest.

Loan amount based on cost of repairs and ability to repay at 1% interest

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

Key Details

  • Loans up to $40,000 at 1% fixed interest
  • 20-year repayment term
  • Income at or below 50% AMI required
  • Must be unable to obtain affordable credit elsewhere
  • Check eligibility for Hewitt location with local USDA office

How to Apply

A grant-savvy contractor in Hewitt, 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 Hewitt 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, contact 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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