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Single Family Housing Programs

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.

Through the program options below, USDA Rural Development offers qualifying individuals and families the opportunity to purchase or build a new single family home with no money down, to repair their existing home, or to refinance their current mortgage under certain qualifying circumstances. There are also programs to assist non-profit entities in their efforts to provide new homes or home repair to qualifying individuals and families.

For Homebuyers

Single Family Housing 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

Single Family Housing 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

For Homeowners

Home Repair Loans and 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

For Lending Partners

Lender Webpage

Access important program updates, file turn times, contact info, and more.

LINC Training & Resource Library

Access training, forms, guides, and more.

For Non-Profits, Municipalities, and Federally Recognized Tribes

For Non-Profits, Municipalities, and Federally Recognized Tribes

Mutual Self Help Grants

For organizations administering self-help new construction or rehabilitation projects.

Rural Housing Site Loans

For organizations purchasing and developing sites for eligible households.

Housing Preservation Grants

For organizations administering the repair and rehabilitation of eligible housing.

Additional Resources

Additional Resources

Homeowner Assistance Fund FAQs

The HAF helps homeowners financially impacted by COVID-19 avoid mortgage delinquencies and defaults, foreclosures, the loss of utilities, or displacement.

American Rescue Plan Act (ARPA)

The American Rescue Plan (ARPA) Act of 2021 provides additional funds for USDA Rural Development’s Single Family Housing Direct Loan Program.

Tools & Resources

The links here provide access to areas within our USDA Eligibility Site, which offers information and guidance regarding both income and program eligible area mapping. These tools should provide all of the information you need to determine your potential program eligibility, however, we still encourage you to contact us if you have any questions or if you desire further information or clarification.

Contact Us

For the Direct 502 Loan Program, the 504 Repair Program, and all Non-Profit and Tribal Programs, please use this link to locate your State or local office for assistance.

For the 502 Guaranteed Loan Program, please use this link to select the participating lender of your choice