USDA Section 504 Home Repair Loan

USDA Rural Development

Available Home Repair

About This Program

Low-interest loans for very-low-income rural homeowners to repair, improve, or modernize their homes. Lampasas qualifies as a rural area under USDA definitions. Loans up to 20 years at 1% fixed interest.

Typical Section 504 loan amount for major home repairs in Texas

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

Key Details

  • Loans up to $40,000 at 1% interest for 20 years
  • Income must be below 50% area median income
  • Must own and occupy home in rural area
  • For repairs, accessibility, energy efficiency
  • Lampasas qualifies as USDA rural area

How to Apply

A grant-savvy contractor in Lampasas, 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 Lampasas 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

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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