USDA Logo Rural Development Logo USDA Rural Development Main Masthead
SpacerHomeDividerAbout RDDividerNewsroomDividerAgencies & OfficesDividerPrograms & OpportunitiesDividerHelpDividerContact UsDividerEn Español
Search RD
Browse by Audience
Browse by Subject
Community Development
Technical Assistance
Forms and Publications
Regulations and Guidance
Online Services
Left Navigation Menu Bottom
News Release
Release No. STELPRD4021509
ContactVicki Schurman402-437-5563
Printable Version  Printable Version

Lincoln, Nebraska, Jun 13, 2013 -- For those who own and occupy homes which need essential repairs or home improvements, USDA Rural Development can help with low-interest (1%) loans to assist very low income rural residents. Rural areas include communities with a population of 20,000 or less. However, Norfolk and Columbus are also currently eligible until September 30, 2013.

Funds can be used to repair or replace furnaces, electrical, foundations, siding, roofing, windows, plumbing, wells, septic systems, and other health and safety hazards. Funds can also be used to improve and modernize a home or make a home accessible for disabled household members.

Eligibility for the program is based on the household’s income and applicants must have acceptable credit, repayment ability and be unable to afford a conventional loan. The USDA repair loans are available up to $20,000 at a 1% interest rate, with a repayment term up to 20 years. Loans of less than $7,500 may not require a mortgage against the property. The low interest rate and extended terms of the loan make repayment more affordable for households with limited income. For example, a $10,000 loan at 1% interest for 20 years would have a monthly payment of $46, compared to a conventional loan with an interest rate of 5% for 10 years, with a monthly payment of $106.

The applicant must own and occupy the home and not exceed income guidelines that are established by county and household size. For example, for many counties in Nebraska, the income limit for a one person household is $19,950; two person, $22,800; three person, $25,650; four person, $28,500 and five person, $30,800. However, some counties may have higher income limits and you may contact your USDA Rural Development office for the income limits in your county.

Maxine Moul, Nebraska State Director for Rural Development said, "USDA Rural Development’s mission is to improve the quality of life in rural communities. Our Agency has adequate loan funds available under the home repair program and I encourage families to utilize this program to improve their homes.”

Households interested in the home repair program may contact their local USDA Rural Development office or visit the Agency website at for additional program information.

President Obama’s plan for rural America has brought about historic investment and resulted in stronger rural communities. Under the President’s leadership, these investments in housing, community facilities, businesses and infrastructure have empowered rural America to continue leading the way – strengthening America’s economy, small towns and rural communities. USDA’s investments in rural communities support the rural way of life that stands as the backbone of our American values. President Obama and Agriculture Secretary Vilsack are committed to a smarter use of Federal resources to foster sustainable economic prosperity and ensure the government is a strong partner for businesses, entrepreneurs and working families in rural communities.

USDA, through its Rural Development mission area, has a portfolio of programs designed to improve the economic stability of rural communities, businesses, residents, farmers and ranchers and improve the quality of life in rural America.

USDA has made a concerted effort to deliver results for the American people, even as USDA implements sequestration – the across-the-board budget reductions mandated under terms of the Budget Control Act. USDA has already undertaken historic efforts since 2009 to save more than $828 million in taxpayer funds through targeted, common-sense budget reductions. These reductions have put USDA in a better position to carry out its mission, while implementing sequester budget reductions in a fair manner that causes as little disruption as possible.


USDA is an equal opportunity provider and employer. To file a complaint of discrimination, write: USDA, Office of the Assistant Secretary for Civil Rights, Office of Adjudication, 1400 Independence Ave., SW, Washington, DC 20250-9410 or call (866) 632-9992 (Toll-free Customer Service), (800) 877-8339 (Local or Federal relay), (866) 377-8642 (Relay voice users).

Last Modified:08/21/2014 
Footer Corner
RD Home | | Site Map | Policies and Links
FOIA | Accessibility Statement | Privacy Policy | Non-Discrimination Statement | Information Quality | FirstGov | White House