USDA Section 504 Home Repair Loan

USDA Rural Development

Available Home Repair

About This Program

Low-interest loan (1% fixed rate) for very low-income rural homeowners to repair, improve, or modernize their homes. Loans up to $40,000 with 20-year repayment term for eligible property owners in Liberty County rural areas.

Loan amount based on repair needs and repayment ability at 1% interest

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

Key Details

  • 1% fixed interest rate loan up to $40,000
  • 20-year repayment term
  • Income at or below 50% area median required
  • Must own home in rural area of Liberty County
  • Repairs must remove health/safety hazards

How to Apply

A grant-savvy contractor in Liberty, 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 Liberty 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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