Single Family Housing
The Rural Housing Programs of USDA Rural Development work
to improve the quality of life for rural Americans by ensuring that they
have access to safe, well-built, affordable housing. Homeownership builds
economic stability and, over the long term, creates equity to finance
education, business startups and retirement. People with equity in their
homes not only take greater pride in them; they also become more involved in
their communities. Our Housing Programs thus not only help rural people
acquire homes, they help build better lives and communities. Rural
Developments Housing Programs annually finance new and improved housing for
over 65,000 low to moderate-income families. Over 2 million families now own
their homes as a result of these rural homeownership programs.
Rural Development also offers a 504 Program and what is called the 306C
Program. Under the 504 Loan Program a loan can be obtained to conduct
repairs on a home for up to $20,000. If qualified (def. 62 years or older,
handicap or disabled) and lacks repayment ability, the applicant may also
qualify under the 504 Grant Program where they can receive up to $7,500 to
correct health and safety hazards or make accessibility upgrades to the
home. Applicants that fall within a Colonia area (def. located within 150
miles of the U.S., Mexico Border) may also qualify for the 306C Program.
306C Grants can be up to $5,000 to correct water and sewer/septic problems
for applicants whose income is below the poverty level as defined by The
Department of Health and Human Services
For more information on the programs offered by
Rural Development please visit our National website:
Single Family Housing
For a List of Arizona's approved Dealer/Contractor list for
For you convenience, provided below: The 502 Pre-Qualification
package, the 502 SFH loan application checklist, the 504/306C loan/grant
checklist and link to the forms described in each checklist.
A Pre-Qualification Package provides an opportunity to consider
whether an applicant meets basic eligibility requirements for the 502 direct
program. This package is NOT an application for assistance.
SFH Pre-Qualification Package
for a 502 Direct Loan or 504/306C Loan and/or Grant , please complete the below
checklist using the indicated forms. I f you would prefer, a hardcopy of the
package can be mailed to you by contacting the Rural Development Local Office
nearest to where you'd like to purchase/repair a home.
502 Single Family Housing Loan Checklist
504/306C Loan and/or Grant Checklist
Rural Development Forms
Guaranteed Lenders Webpage
State approved lenders offer the guaranteed residential loans to eligible moderate or low-income families. The application is made, processed and closed at a participating lender's office. Approved lenders are able to offer this "no down payment" loan because Rural Development guarantees the loan. A Guaranteed Residential Loan means that Rural Development will repay all or most of losses suffered by the lender in cases where the borrower should default on the loan. Borrower's are not required to purchase mortgage insurance.
criteria and loan information is contained in regulation
The property you wish to purchase must be located in
an area deemed "rural" by Rural Development. Generally the community
must be less than 25,000 persons. Contact the
servicing office for further information. To determine if an area