USDA Rural Development
Low-interest loans for very low-income homeowners in rural areas to repair, improve, or modernize their homes. Loans are at 1% fixed interest rate for up to 20 years. Must be unable to obtain affordable credit elsewhere.
Loan at 1% interest, 20-year term results in approximately $184/month per $40,000 borrowed
Data last verified 2026-06-09. How we verify our data.
This is a national program. In Paducah, TX, you can stack it with local programs like these:
A grant-savvy contractor in Paducah, 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 Paducah early keeps your application moving.
Get matched with a contractorEach program sets its own contractor rules. Check the official program page for exact requirements.
Deadline: Applications accepted year-round
Ask us. It is free, and a real person answers within a business day.
Email us about this programGrant-approved contractors understand the documentation, inspections, and timelines, so your funding releases on schedule.
Rebates and discounts that stack on top of any grant. Most are free to use.
This is just one of many grants, rebates, and free programs available. Stack them together to maximize your savings.
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