USDA- Rural Development- Single Family Housing Direct Home Loans
What does this program do?
This program offers mortgage financing to help eligible, low-and very-low-income applicants buy, build, improve, or repair a rural home as their primary residence. The Single Family Housing Direct Loan Program also provides payment assistance – a temporary subsidy – to help increase a borrower’s repayment ability.
Who can apply?
Your adjusted income must be at-or below the low-income limit for the area in which you wish to buy a house, and the property must be located in an eligible rural area. Our Income and Property Eligibility website is available at this link: tinyurl.com/RDEligibility.
NOTE: Because information changes, always consult official program instructions or contact your local Rural Development office for help. You will find additional resources, forms, and program information at rd.usda.gov. USDA is an equal opportunity provider, employer, and lender.
What are some requirements? Among other requirements, you must:< >Be without decent, safe housingBe unable to get a loan with reasonable terms and conditions from other resourcesAgree to live in the home as your primary residenceMeet U.S. citizenship or noncitizen requirementsBe considered modest for the areaNot have a market value higher than the area loan limit
How can funds be used?
Funds can be used to buy, build, repair, renovate, or relocate a home, or to purchase and prepare home sites.
How do we get started?
Applications are accepted year-round through your local USDA Rural Development offce. A list of state offces is available at this link: tinyurl.com/RDStateOffces.
| Eligibility | Your adjusted income must be at-or below the low-income limit for the area in which you wish to buy a house, and the property must be located in an eligible rural area. |
| Community Services |
Basic Needs / Assistance |
| Areas Served |
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Last Updated: 06/08/26