USDA Rural Development
USDA Section 504 Home Repair Loan & Grant is available to homeowners in Dallas, TX.
The USDA Section 504 program provides very-low-income rural homeowners loans up to $40,000 at 1% interest for home repairs and improvements. Elderly homeowners (62+) may also qualify for grants up to $10,000 to remove health and safety hazards. Dallas proper is not USDA-eligible, but some surrounding rural Dallas County communities may qualify. Combined loan and grant assistance can reach $50,000.
Grant (up to $10,000) requires no repayment. Loan (up to $40,000) at 1% interest for up to 20 years. Must verify rural eligibility at eligibility.sc.egov.usda.gov.
Federal program, maintained from the official federal source.
Data last verified 2026-04-03. How we verify our data.
This is a national program. In Dallas, TX, you can stack it with local programs like these:
A grant-savvy contractor in Dallas, 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 Dallas early keeps your application moving.
Get matched with a contractorEach program sets its own contractor rules. Check the official program page for exact requirements.
Form to file: USDA Form RD 410-4 (with RD 3550-1 and RD 3550-4)
Very low income rural homeowners can get a loan to repair or modernize their home, and homeowners age 62 and older can get a grant to remove health and safety hazards. Loans and grants combine up to 50,000 dollars, with grants capped at 10,000 dollars. You apply through your local USDA Rural Development office.
Steps to apply
Documents you will likely need
Requirements vary by program and locality. Confirm the exact rules on the official program page. We can help you prepare your paperwork, but you submit it yourself.
Deadline: Rolling, must be in USDA-eligible rural area
Ask us. It is free, and a real person answers within a business day.
Email us about this programUSDA Section 504 Home Repair Loan & Grant is open to homeowners in Dallas, TX. It prioritizes low-income households. It serves seniors.
Apply directly with USDA Rural Development using the official program link on this page or call 903-561-7272. There is no middleman and no fee.
Grant-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.
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