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On-Farm Labor Housing Loans


What does this program do?

It provides affordable financing to develop or rehabilitate affordable rental housing for very-low income (1) domestic, migrant, and seasonal farm laborers (2).

Who may apply for this program?

This program provides low interest loans to eligible borrowers to develop or rehabilitate affordable rental housing for very-low income domestic, migrant, and seasonal farm laborers. Borrowers must not otherwise be able to get commercial credit. Eligible applicants include:

  • Family Farm Corporations
  • Individuals
  • Partnerships

Who are eligible tenants?

  • Domestic farm laborers, individuals who earn a substantial portion of their income from farm labor, retired farm laborers, or disabled farm laborers. The families of eligible tenants also are eligible.
  • Occupants must be U.S. citizens, permanent residents, or those legally admitted to this country and authorized to perform work in agriculture.

What are the loan terms?

  • There is no loan minimum
  • There loan maximum is 100 percent of the allowable total development cost.
  • The Loan interest rate is 1.0% annually
  • The Loan Term is 33 years

What is the funding availability?

Funding availability is on a first-come, first-served; or until funds are depleted basis.

How do we get started?

A two-phase application process starts with pre-applications accepted on an annual basis through a Notice of Funding Availability (NOFA) in the Federal Register. Selected pre-applications are invited to submit final applications.

Who can answer questions?

Locate your regional contact on the Contact tab or you can find Rural Rental Properties.

What governs this program?


Because citations and other information may be subject to change please always consult the program instructions listed in the section above titled "What Law Governs this Program?".

(1) Very-low to moderate-income: Very-low income is below 50% of area median income; low-income is 50-80% of area median income; moderate income is capped at $5,500 above low-income limit.

(2) Domestic farm laborer: A person who receives a portion of his/her income from farm labor employment. This definition may include the immediate family members residing with such a person.


On-Farm Labor Housing Loans Applicant Package | PDF

Multifamily Housing Construction Monitoring Checklists | Zip The Construction Monitoring Checklists provide guidance and clarification to assist RD borrowers, applicants and staff throughout the construction submittal, project delivery, and construction monitoring processes. These checklists include general instructions used in meeting the construction requirements per 7 CFR 1924 and 7 CFR 3560.

Multifamily Housing Appraisal Assignment Guidance (zip) The Appraisal Assignment Guidance documents provide standardized appraisal guidance for each multifamily housing program.  The documents remove the need for specific appraisal assignment guidance for each individual project.  The applicant will download the applicable appraisal assignment guidance based on their specific transaction and provide it to their appraiser in order to obtain an appraisal.  Once the appraisal is completed, the applicant will submit the appraisal along with the complete application package to the agency.  The appraisal must be submitted with the application.  If an appraisal is submitted prior to the application submission, it will be returned to the applicant.  The agency will no longer provide specific appraisal assignment guidance for each individual project, instead, the applicant will be responsible for downloading the applicable standardized appraisal assignment guidance for their specific transaction and providing it to their appraiser.

Please contact our Multifamily Housing office toll-free at 800-292-8293.

If you need information on a loan transaction currently in process, or have questions on a new transaction, our Production & Preservation Division (PPD) processes, underwrites, and closes all multifamily direct, preservation, and guaranteed loan transactions. PPD will support all the Multifamily Housing Programs, including 515, 538, Multifamily Preservation and Revitalization (MPR), prepayments, and preservation efforts. This division will also oversee Notice of Solicitation of Applications (NOSA) drafting and administration efforts for Farm Labor Housing, Housing Preservation Grants, MPR, technical assistance, and 515. The email contact information for the Production & Preservation Division follows:

Processing and Report Review Branch 1 
(CT, DE, IA, IL, IN, KS, MA, MD, ME, MI, MN, MO, ND, NE, NH, NJ, NY, OH, PA, RI, SD, VA, VT, WI, WV)

Processing and Report Review Branch 2
(AK, AL, AR, AZ, CA, CO, FL, GA, HI, ID, KY, LA, MS, MT, NC, NM, NV, OK, OR, PR, SC, TN, TX, UT, VI, WA, WY)