Very Low to Moderate Income Housing Loans and Loan Guarantees
Department Of Agriculture, Rural Housing Service
To assist very low, low-income, and moderate-income households to obtain modest, decent, safe, and sanitary housing for use as a permanent residence in rural areas.
Jargon-free version
Helps very low to moderate-income households in rural areas get safe and decent housing. Provides loans and loan guarantees for permanent residences.
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What Is This Program?
What Benefits Are Offered?
Loans, loan guarantees, and grants for qualifying individuals and families to buy, build, repair, improve, modernize, or refinance affordable single-family homes in rural areas. Includes options for no money down, payment assistance, and specific grants for disaster repair or for homeowners aged 62 and over. Programs also exist to assist non-profit organizations, municipalities, and federally recognized tribes in their efforts to provide housing.
Who Is Eligible?
Region: rural America, eligible rural areas
Demographics: age 62 and over (for certain grants)
Other Criteria: individuals and families, low income, very-low income, moderate income, income based on area median, homeowners (for repair/improvement programs), homes damaged in Presidentially Declared Disaster Areas (for disaster grants), non-profit entities, municipalities, and federally recognized tribes (for administering housing projects)
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Department Of Housing And Urban Development, Asst Secretary For Housing--federal Housing Commissioner
To help victims of a Presidentially-declared disaster whose home was destroyed undertake homeownership on a sound basis.
FAQFrequently Asked Questions
Visit the program page for detailed eligibility requirements.
Contact the program administrator for funding details.
This program accepts applications on a rolling basis.
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