Well built, affordable housing is essential to the vitality of communities in rural America. Rural Development’s Single Family Housing Programs give families and individuals the opportunity to buy, build, or repair affordable homes located in rural America. Eligibility for these loans, loan guarantees, and grants is based on income and varies according to the average median income for each area.”

USDA Rural Development has several grant and loan programs that can assist homeowners and homebuyers with buying and maintaining their homes.   Below you will find a summary of these programs.  Please visit the USDA Rural Development website to learn more about each program.


Direct Loans

  • Purchase or build with no money down in eligible rural areas
  • Low or Very-Low Income
  • Typically 33-year term with payment assistance available
  • Apply directly with Rural Development

Guaranteed Loan Program

  • Purchase or build with no money down in eligible rural areas
  • Moderate Household Income
  • 30-year fixed rates. Refinance options available
  • Apply through an approved lender

Home Repair Loans & Grants

  • Very low income homeowners in eligible rural areas
  • Repair, improve, or modernize your home
  • Apply directly with Rural Development
  • Grants possible for age 62 and over