USDA Section 504 Home Repair Loan

USDA Rural Development

Available Home Repair

About This Program

Low-interest loan for very-low and low-income homeowners in eligible rural areas near Sachse to repair or improve their homes. Loans up to $40,000 at 1% interest with repayment terms up to 20 years.

Loan with 1% fixed interest rate, 20-year term typical

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

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

Key Details

  • Loan up to $40,000 at 1% fixed interest
  • For low-income homeowners in eligible rural areas
  • Up to 20-year repayment term
  • Covers essential repairs and accessibility improvements
  • Must be unable to obtain affordable credit elsewhere

How to Apply

A grant-savvy contractor in Sachse, 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 Sachse 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 Sachse, TX

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