USDA Section 504 Home Repair Program

About This Program

USDA Section 504 provides loans and grants to very low-income homeowners in eligible rural areas to repair, improve, or modernize homes. Grants are available to homeowners age 62+ who cannot repay a loan and need to remove health or safety hazards.

Grant amount for seniors 62+ unable to repay loan; otherwise loan at 1% interest

Key Details

• Loans up to $40,000 at 1% interest for home repairs
• Grants up to $10,000 for seniors 62+ to remove hazards
• Income at or below 50% AMI required
• Must be in USDA-eligible rural area (check eligibility)
• Owner-occupied primary residence only

How to Apply

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

Deadline: Rolling applications, subject to funding availability