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.
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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 active 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
Single Family Housing Rural Disaster Home Repair Grants
It provides grants to very-low and low-income homeowners to repair homes damaged in a Calendar Year (CY) 2022 Presidentially Declared Disaster Area.
Single Family Housing Repair Loans & Grants in Presidentially Declared Disasters Pilot
The Section 504 Home Repair Loans & Grants in Presidentially Declared Disasters Pilot program provides loans and grants to very-low-income homeowners to repair disaster related damage caused to their homes.
For Lending Partners
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.
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.
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 Single Family Housing Direct Home Loan Program, the Home Repair Loan and Grant program, and all nonprofit and Tribal programs, please use this link to locate your state or local office for assistance.
For the Single Family Housing Guaranteed Loan Program, please use this link to select the participating lender of your choice.
