USDA Section 504 Home Repair Program

USDA Rural Development

Available Home Repair

About This Program

Provides loans up to $40,000 and grants up to $10,000 for very low-income rural homeowners to repair, improve, or modernize their homes. Grants available only to seniors 62+ who cannot afford a loan to remove health and safety hazards.

Estimate assumes senior qualifying for maximum grant

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

Key Details

  • Loans up to $40,000 at 1% interest
  • Grants up to $10,000 for seniors 62+
  • Must own home in rural area
  • Very low income required (50% AMI)
  • Covers health and safety repairs

How to Apply

A grant-savvy contractor in Malakoff, 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 Malakoff 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?

Ask us. It is free, and a real person answers within a business day.

Email us about this program

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 Malakoff, TX

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

See All Programs