USDA Section 504 Home Repair Loans & Grants

USDA Rural Development

Available Home Repair

About This Program

Low-interest loans and grants for very-low-income homeowners in eligible rural areas near Lubbock to repair, improve, or modernize homes. Grants up to $10,000 available for seniors 62+ who cannot afford a loan. Loans at 1% interest up to 20 years.

Combines grant and loan amounts based on income and ability to repay

Key Details

  • Loans up to $40,000 at 1% interest
  • Grants up to $10,000 for seniors 62+
  • Very low income requirement (50% AMI)
  • For eligible rural areas near Lubbock
  • Repairs health and safety hazards

How to Apply

Deadline: Rolling applications

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Grant-approved contractors understand the documentation, inspections, and timelines, so your funding releases on schedule.

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