Multiple Loan Types
Singler Family Housing Direct Loan
Purchase or build with no money down in eligible rural areas
Low or Very-Low Income
Typically 336-year term with payment assistance available
Apply directly with Rural Development
Single Family Housing Guranteed Loan
Purchase or build with no money down in eligible rural areas
Moderaste Household Income
30-year fixed rates. Refinance options available
Apply through an Active Lender
Rural Housing Site Loan (2 Types)
- Section 523 loans are used to acquire and develop sites only for housing to be constructed by the Self-Help method. Refer to RD Instruction 1944-I for more information about the Self-Help program
- Section 524 loans are made to acquire and develop sites for low- or moderate-income families, with no restriction as to the method of construction. Low-income is defined as between 50-80% of the area median income (AMI); the upper limit for moderate income is 115% of the AMI.
- Section 524 loans are made to acquire and develop sites for low- or moderate-income families, with no restriction as to the method of construction. Low-income is defined as between 50-80% of the area median income (AMI); the upper limit for moderate income is 115% of the AMI.