USDA Section 504 Home Repair Program

USDA Rural Development

Available Senior & Disability

About This Program

Provides loans and grants to very low-income homeowners in eligible rural areas to repair, improve, or modernize their homes, or to remove health and safety hazards. Grants available only to homeowners age 62 or older who cannot repay a loan.

Combination of 1% loan up to $27,500 and grant up to $10,000 for seniors

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

Key Details

  • Loans up to $27,500 at 1% interest, 20-year term
  • Grants up to $10,000 for homeowners 62+ who cannot repay loan
  • Income must be below 50% area median income
  • Must be in eligible rural area (check with USDA)
  • Covers health/safety hazards and accessibility

How to Apply

A grant-savvy contractor in Seabrook, 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 Seabrook 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, contact local USDA office

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.

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