Single Family Housing Programs

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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 site for a complete overview: Single Family Housing Programs


Guaranteed Loan Program

News and Notes

In accordance with the new Farm Bill, the Consolidated Appropriations Act 2014, and Administrative Notice 4748 changes to eligible rural areas are being implemented.

Click on the links below for specific places:

  • Eligible Areas Effective May 6, 2014
  • Ineligible Areas Effective October 1, 2014
  • Click here for the USDA Income and Property Eligibility Site

    For more information on this program, reference http://www.rurdev.usda.gov/HAD-Guaranteed_Housing_Loans.html

    • To obtain the status of current turn times for GRH Conditional Commitments, please call 254-742-9781. This recording is updated daily as the current turn times change. Please check the recording prior to calling or emailing for a status update.
    • Please limit all calls and e-mails to those that are essential in order to allow us to work on issuing conditional commitments with minimal interruptions. Due to the large volume of calls that we receive, only the 1980-21 Point of Contact (POC) or the Underwriter should be calling on any file
    • As an approved lender it is your responsibility to submit a fully complete and correct package. Incomplete submissions will not be processed. Please refer to the Origination Stacking Order Checklist (Attachment C) and the Loan Closing Stacking Order Checklist (Attachment D) for a listing of documents that constitute a complete and correct package

    Guidance for the Single Family Housing Guaranteed Loan Program

    • RD Instruction 1980-D
    • Administrative Notices
    • AN 4776 Electronic Signatures
    • AN 4758 Outbuildings and Property Eligibility
    • AN 4757 Implementation of New Fee Structure Effective October 1, 2014
    • AN 4749 Rural Refinance Pilot, March 11, 2014
    • AN 4748 Implementation of the Rural Area Definition as Revised by the Farm Bill, March 12, 2014
    • AN 4745 Guaranteed Underwriting System
    • AN 4738 Refinancing Single Family Housing Loans Section 502 Direct and Guaranteed
    • AN 4731 Program Lender Eligibility Review
    • AN 4729 Debt Ratio Waivers and Compensating Factors
    • AN 4723 Eligibility of Non-U.S. Citizens and Systematic Alien Verification for Entitlements Program
    • AN 4721 Rural Development Compliance with Lead-Based Paint Rule
    • AN 4714 Standardized Income, Origination and Closing Templates Lender and Agency Documentation
    • AN 4702 RD Instruction 1980-D, Section 1980.324 Lender Charges and Fees
    • AN 4701 In-Ground Swimming Pools
    • AN 4699 Underwriting and Loan Closing Documentation Matrix
    • AN 4687 Definition of Conventional Credit

    Contact and Other Information

    • Send all inquiries to TXGRHQUESTIONS@tx.usda.gov
    • If you have been working directly with a Specialist all questions, documentation, etc. should go directly to that Specialist.
    • All submissions to the processing and closing email boxes will receive an automated reply directly to the person emailing the package to confirm the submission was received.

    Forms and Documents


    Direct 502 Homeownership Loans

    A variety of documents for the Single Family Housing Direct Loan Program are listed below for your convenience.

    Contact and Other Information

    For all new inquiries, pre-qualifications and applications submitted to the agency, all correspondence including application materials should be directed to the centralized "Direct Delivery Unit" for Texas:
    • Email TXDIRECTSFH@tx.usda.gov
    • Phone 254-742-9770
    • FAX (preferred method) 1-844-496-8122
    • Mailing Address: USDA Rural Development Housing Program, 101 South Main Street, Suite 102, Temple, Texas 76501

    Other Available Programs


    Additional Resources