USDA Section 504 Home Repair Loans & Grants

About This Program

The USDA Section 504 program provides loans up to $40,000 at 1% interest (20-year term) to very-low-income homeowners to repair, improve, or modernize rural homes. Homeowners age 62+ who cannot repay a loan may qualify for grants up to $10,000 to remove health and safety hazards. Loans and grants can be combined up to $50,000. Note: Houston proper is not USDA-eligible, but some surrounding unincorporated areas may qualify — check usda.gov eligibility map.

Grant: up to $10,000 (age 62+). Loan: up to $40,000 at 1% interest, 20 years. Combined max: $50,000.

Key Details

• Property must be in USDA-eligible rural area (verify at eligibility.sc.egov.usda.gov)
• Income at or below 50% AMI for very-low-income qualification
• Grants (up to $10,000) only available to homeowners age 62 or older
• Loans up to $40,000 at 1% fixed interest for 20 years
• Combined loans + grants up to $50,000 ($55,000 in presidentially declared disaster areas)

How to Apply

Deadline: Contact program