USDA Section 504 Home Repair Program

USDA Rural Development

Available Home Repair

About This Program

USDA Section 504 provides loans up to $40,000 and grants up to $10,000 (for seniors 62+) to very low-income homeowners in rural areas to repair, improve, or modernize their homes or remove health and safety hazards. Luling qualifies as a rural area.

Grant amount for seniors 62+ at very low income; others receive low-interest loans

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

Key Details

  • Grants up to $10,000 for seniors 62+ at very low income
  • Loans up to $40,000 at 1% interest, 20-year term
  • Owner-occupied homes in rural areas
  • Removes health and safety hazards
  • Income must be below 50% area median

How to Apply

A grant-savvy contractor in Luling, 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 Luling 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 availability

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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