USDA Section 504 Home Repair Grant & Loan

USDA Rural Development

Available Home Repair

About This Program

USDA program for very low-income rural homeowners to repair, improve, or modernize homes. Grants up to $7,500 available for seniors 62+ to remove health and safety hazards; loans up to $20,000 at 1% interest for broader repairs.

Estimate combines $10,000 grant for seniors plus portion of loan amount

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

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

Key Details

  • Grant up to $7,500 for seniors 62+ (health/safety only)
  • Loan up to $20,000 at 1% interest for all repairs
  • Income at or below 50% AMI required
  • Must be in USDA-eligible rural area
  • Cannot have other affordable credit available

How to Apply

A grant-savvy contractor in Santa Fe, 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 Santa Fe 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, subject to funding

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.

Find More Programs in Santa Fe, TX

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