USDA Section 504 Home Repair Loan & Grant

USDA Rural Development

Available Home Repair

About This Program

USDA program for very low-income rural homeowners to repair, improve, or modernize their homes. Grants up to $10,000 available for seniors (62+) to remove health and safety hazards; loans up to $40,000 at 1% interest for repairs.

Loan at 1% interest up to $40,000; seniors 62+ may qualify for grant up to $10,000

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

This is a national program. In Royse City, TX, you can stack it with local programs like these:

Key Details

  • Low-interest loans up to $40,000 at 1% rate
  • Grants up to $10,000 for seniors 62+ for safety hazards
  • Very low income required (50% AMI or below)
  • Must be in eligible rural area
  • Covers health/safety repairs and accessibility modifications

How to Apply

A grant-savvy contractor in Royse City, 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 Royse City 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 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.

Find More Programs in Royse City, TX

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