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 to very-low-income rural homeowners to repair, improve, or modernize dwellings or remove health and safety hazards. Grants are available only to homeowners age 62 or older who cannot repay a loan.

Grant maximum is $10,000 for seniors 62+; loans available to others up to $40,000 at 1% interest

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

Key Details

  • Grants up to $10,000 for seniors 62+ who cannot repay loan
  • Loans up to $40,000 at 1% interest for others
  • Must be very low income (50% AMI or below)
  • Owner-occupied home in rural area required
  • Repairs must remove health/safety hazards

How to Apply

A grant-savvy contractor in Munday, 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 Munday 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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