USDA Rural Home Loans Make Dream of Homeownership a Reality

Kelly Clark
Carson City
Release Date
Jun 22, 2020

Many people have stopped dreaming of homeownership due to the challenging times we live in. But when rural homebuyers are ready, USDA Rural Development staff in Nevada are available help. 

“Whether it’s a Direct Home Loan for very low-income rural homebuyers, the Guaranteed Home Loan for modest income earners, or a 504 Home Repair Loan or Grant, our programs have rural communities covered,” said new Housing Program Director Kara Blake. “Our goal is to make affordable loans available in rural areas, to support communities and economic prosperity.”:

Rural Development staff in Elko, Carson City and Las Vegas continue to work remotely to protect the health and safety of staff and the public. Most transactions can be handled virtually so there is no delay in application processing.

For Direct Home Loan applicants, the pre-application is a simple two-page form available from the agency's rural office staff. Contact Jonathan McGowan for more information at (775) 443- 4787 or by email at

For Guaranteed Home Loan applicants, contact your local lender and tell them you are interested in a USDA Guaranteed Home Loan. The private lender’s loan will be guaranteed by USDA Rural Development. Information online at

Qualifying for a Rural Home Loan - What Does USDA look for?

Rural Location Requirement: USDA Rural Home Loans are only available in eligible rural areas with population of 35,000 or fewer people. Rural eligibility map at
Select either Guaranteed or Direct Home Loan at top of page and type in housing address to identify whether it is in an eligible area.

Very Low and Low-Income Requirement: For the Direct Home Loan your income must be below 80% Median Household Income for the county where you want to buy. Must show record of dependable income from employment, pensions or social security. Visit the Nevada income eligibility website at

Credit History: Each application is individually reviewed for credit eligibility, credit score may not be a factor.

If you are interested in learning more contact USDA Rural Development at (775) 443-4787/ More information available online at .