USDA Section 504 Home Repair Loan

USDA Rural Development

Available Home Repair

About This Program

Low-interest loans (1%) up to $40,000 for very-low-income homeowners in eligible rural areas to repair, improve, or modernize their homes. Loans must be repaid over 20 years. Manchaca may qualify as a rural area.

Loan at 1% interest repaid over 20 years; typical loan amount shown

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

Key Details

  • Loan up to $40,000 at 1% interest
  • 20-year repayment term
  • Income at or below 50% AMI required
  • Must be in eligible rural area
  • Owner-occupied homes only

How to Apply

A grant-savvy contractor in Manchaca, 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 Manchaca 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: Applications accepted year-round

Questions about this program?

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

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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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