USDA Section 504 Home Repair Loan & Grant

About This Program

Low-interest loans and grants for very-low-income rural homeowners to repair, improve, or modernize homes or remove health and safety hazards. Seniors 62+ may qualify for grants up to $10,000 that do not require repayment.

Combines low-interest 1% loan with grant component for seniors; estimate shows typical senior grant

Key Details

• Loans up to $40,000 at 1% interest for repairs
• Grants up to $10,000 for seniors 62+ (no repayment)
• Income at or below 50% AMI required
• Must be in eligible rural area (Jacksonville qualifies)
• Covers health/safety hazards and accessibility

How to Apply

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

Deadline: Year-round applications