USDA Section 504 Home Repair Loan & Grant

USDA Rural Development

Available Home Repair

About This Program

Low-interest loans (1% APR) up to $27,500 and grants up to $10,000 for seniors age 62+ to repair or improve owner-occupied homes in eligible rural areas. Grants available only to seniors for accessibility/hazard removal.

Combination of 1% loan plus grant for seniors; grant amount up to $10,000 for accessibility

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

Key Details

  • 1% interest loan up to $27,500
  • Grant up to $10,000 for seniors 62+
  • Income at or below 50% AMI
  • Owner-occupied homes in eligible rural areas
  • Grant for accessibility and safety hazards

How to Apply

A grant-savvy contractor in Kirby, 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 Kirby 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.

Find More Programs in Kirby, TX

This is just one of many grants, rebates, and free programs available. Stack them together to maximize your savings.

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