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.

Quick Facts

Funding
Contact for details
Deadline
Rolling
Status
Rolling Intake
Category
Housing & Community Development
Organization
Department Of Agriculture, Rural Housing Service

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What Is This Program?

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.

What Benefits Are Offered?

loanloan guaranteegrantpayment assistancerefinancing

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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How Do I Apply?

andria.hively@usda.gov
2533846907

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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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