The USDA provides affordable home loan and repair programs to help eligible low-income residents buy, build, or improve homes in rural areas.
Helps low- and moderate-income residents buy, build, or improve a home with affordable financing.
Direct Loans: For very low- and low-income applicants; payment assistance available.
Guaranteed Loans: Issued through approved lenders; may allow no down payment.
Low to moderate income
Primary residence
Home located in eligible rural area
Unable to get a conventional mortgage on reasonable terms
Provides assistance for essential home repairs.
Loans: Up to $40,000 for repairs and improvements
Grants: Up to $10,000 for health/safety repairs (for homeowners age 62+)
Very low income
Must own and live in the home
Unable to obtain credit elsewhere
Grants only for seniors 62+