USDA Rural Development
Low-interest loan (1% fixed rate) for very-low-income rural homeowners to repair, improve, or modernize their homes. Loans up to $40,000 for up to 20 years. Must be unable to obtain affordable credit elsewhere.
Loan amount based on repair needs and ability to repay at 1% interest
Data last verified 2026-06-09. How we verify our data.
This is a national program. In Stephenville, TX, you can stack it with local programs like these:
A grant-savvy contractor in Stephenville, 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 Stephenville 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: Rolling 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.
See All Programs