Single Family Housing Loans and Grants
Single Family Housing Programs provide homeownership opportunities to low-
and moderate-income rural Americans through several loan, grant, and loan
guarantee programs. The programs also make funding available to individuals
to finance vital improvements necessary to make their homes decent, safe, and
sanitary. Visit the following sites for information and/or assistance...
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Guaranteed Loan Refinance PILOT FAQs
Questions and Answers about the pilot program to help rural borrowers refinance their mortgages to reduce
their monthly payments. The Single Family Housing Guaranteed Rural Refinance Pilot
Program will operate in 19 states for homeowners who have loans that were made or
guaranteed by USDA Rural Development.
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Rural Housing Guaranteed Loan
Applicants for loans may have an income of up to 115% of the median
income for the area. Area income limits for this program are here. Families
must be without adequate housing, but be able to afford the mortgage payments,
including taxes and insurance. In addition, applicants must have reasonable
credit histories.
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Rural Housing Direct Loan
Section
502 loans are primarily used to help low-income
individuals or households purchase homes in rural areas.
Funds can be used to acquire, build (including funds to
purchase and prepare sites and to provide water and
sewage facilities), repair, renovate or relocate a home.
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Rural Repair and Rehabilitation Loan
and Grant
The Very Low-Income Housing Repair program provides loans and grants to
very low-income homeowners to repair, improve, or modernize their dwellings
or to remove health and safety hazards.
Rural Housing Repair and Rehabilitation Grants are funded directly by the
Government. A grant is available to dwelling owner/occupant who is 62 years of
age or older. Funds may only be used for repairs or improvements to remove
health and safety hazards, or to complete repairs to make the dwelling accessible
for household members with disabilities.
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Mutual Self-Help Loans
The Section 502 Mutual Self-Help Housing Loan program is used primarily to
help very low- and low-income households construct their own homes.
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Rural Housing Site Loans
Rural Housing Site Loans are made to provide financing for the purchase and
development of housing sites for low- and moderate-income families.
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Housing Application Packaging Grants
Housing Application Packaging Grants provide government funds to tax-exempt
public agencies and private non-profit organizations to package applications for
submission to Housing and Community Facilities Programs.
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Individual Water and Waste Grants
Individual Water and Waste Water Grants provide Government funds to
households residing in an area recognized as a colonia before October 1, 1989.
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Self-Help Technical Assistance Grants
To provide Self-Help Technical Assistance Grants to provide financial
assistance to qualified nonprofit organizations and public bodies that will
aid needy very low and low-income individuals and their families to build
homes in rural areas by the self help method. Any State, political subdivision,
private or public nonprofit corporation is eligible to apply.
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Technical and Supervisory Assistance Grants
To assist low-income rural families in obtaining adequate housing to meet
their family's needs and/or to provide the necessary guidance to promote their
continued occupancy of already adequate housing. These objectives will be
accomplished through the establishment or support of housing delivery and
counseling projects run by eligible applicants.
For more information about these programs, or to file an application, contact the local
Rural Development office in your area.
For general information, please visit our
Frequently Asked Questions page.
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