USDA Rural Development programs available to indiviuduals and familes

Rural Development ensures Americans living in rural communities have access to affordable, well-built homes because a good home is more than just a roof overhead. Ownership strengthens communities and, over time, helps families build savings for the future. Our affordable home loan programs help income-eligible families buy, build, improve and repair modest homes in small towns and other qualified rural areas.

Find out if you or someone you know can benefit. Click on a program below to learn more.

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Resources for individuals and families

  • Single Family Direct Home Loans
    Eligibility is based on adjusted family income and varies depending upon averages in the county where the property is located.

  • Home Repair Loans
    Provides affordable terms so very low income homeowners can make necessary repairs or improvements. Maximum outstanding loan amount cannot be more than $20,000.

  • Home Repair Grants
    Provides assistance so very low income homeowners can make necessary repairs or improvements. Applicants must be 62 or older and lack the ability to repay a 20 year loan at a 1% interest rate. Maximum lifetime grant assistance is $7,500

  • Affordable Rental Housing
    Find affordable apartments in rural areas through this online map and search resouce.
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NOTE: We also offer Single Family Home Loan Guarantees to help participating private lenders extend affordable terms to qualified home buyers.

USDA Rural Development Loan Guarantees are available only through approved lenders. A list of our Approved Home Loan Lenders in Tennessee is available online; or call us for more details. A list of USDA Rural Development Contacts in Tennessee is available online.