USDA-Rural Development

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.

NOTICE Changes to the housing eligible areas map based on 2010 Census data scheduled to take effect 1/15/14, have been postponed to 10/1/14 by passage of the Consolidated Appropriations Act, 2014. View "Future Eligible Areas".
Complete applications received before October 1, 2014, will continue to use rural area definitions based on 2000 Census data.


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

  • 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 resource. In addition, click here for more rental properties.


NOTE: We also offer Single Family Home Loan Guarantees (GRH) 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 Virginia is available online; or call us for more details. A list of USDA Rural Development Contacts in Virginia is available online.