---
title: "Single Family Housing Programs"
url: https://stacklist.com/card/57b01e56-9c4d-4171-92c3-7a43dac4dd63
source_url: "https://www.rd.usda.gov/programs-services/single-family-housing-programs"
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summary: "USDA Rural Development's Single Family Housing Programs provide loans, loan guarantees, and grants to help families and individuals buy, build, or repair affordable homes in rural America. The programs serve a range of income levels and also support non-profits, municipalities, and federally recognized tribes in housing construction and rehabilitation efforts."
tags: "rural-housing, usda, home-loans, affordable-housing, rural-development, grants, low-income"
key_entities: "USDA Rural Development (organization), Single Family Housing Programs (concept), Single Family Housing Direct Home Loan Program (concept), Single Family Housing Guaranteed Loan Program (concept), Rural America (location), Presidentially Declared Disaster Areas (concept), Persistent Poverty Counties (concept)"
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---

# Single Family Housing Programs

Well built, affordable housing is essential to the vitality of communities in rural America. Rural Development’s Single Family Housing Programs give families and individuals the opportunity to buy, build, or repair affordable homes located in  rural  America. Eligibility for these loans, loan guarantees, and grants is based on  income  and varies according to the average median income for each area. Through the program options below, USDA Rural Development offers qualifying individuals and families the opportunity to purchase or build a new single family home with no money down, to repair their existing home, or to refinance their current mortgage under certain qualifying circumstances. There are also programs to assist non-profit entities in their efforts to provide new homes or home repair to qualifying individuals and families. For Homebuyers Purchase or build with no money down in eligible  rural  areas Low or Very-Low  Income Typically 33-year term with payment assistance available Apply directly with Rural Development More Information Purchase or build with no money down in eligible  rural  areas Moderate Household Income 30-year fixed rates. Refinance options available Apply through an active lender . More Information For Homeowners Very low income  homeowners in eligible rural  areas Repair, improve, or modernize your home Apply directly with Rural Development Grants possible for age 62 and over More Information Grants and loans for low-income homeowners to repair homes damaged in certain Presidentially Declared Disaster Areas. More Information For Lending Partners Access training, forms, guides, and more. More Information For Non-Profits, Municipalities, and Federally Recognized Tribes For Non-Profits, Municipalities, and Federally Recognized Tribes For organizations administering self-help new construction or rehabilitation projects. More Information For organizations purchasing and developing sites for eligible households. More Information For organizations administering the repair and rehabilitation of eligible housing. More Information Tools & Resources The links here provide access to areas within our USDA Eligibility Site, which offers information and guidance regarding both income and program eligible area mapping. These tools should provide all of the information you need to determine your potential program eligibility, however, we still encourage you to contact us if you have any questions or if you desire further information or clarification. Direct Program Self-Assessment Tool Guaranteed Program Eligibility Tool Search Rural Eligibility Tool Check Income Limits Check Persistent Poverty Counties Persistent Poverty Counties Look-up Map Contact Us For the Single Family Housing Direct Home Loan Program, the Home Repair Loan and Grant program, and all nonprofit and Tribal programs, please use this link to locate your state or local office for assistance. For the Single Family Housing Guaranteed Loan Program, please use this link to select the participating lender of your choice. State Offices