Rural Housing Programs
Single Family Housing

USDA Rural Development makes loans and grants to provide rural residents with safe and affordable homes.  Eligibility is based on adjusted household income.  Section 502 Direct Loans are available to low and very low income applicants.  Section 502 Guaranteed loans, made by mortgage lenders, are available to moderate income families who have limited down payment ability.  Section 504 Repair Loans and Grants are available to very low income homeowners.

The following links offer detailed information on these loan programs:

502 Direct Loans

502 Guaranteed Loans / Lenders Manual (PDF)
PDF files require the Adobe Acrobat Reader^TM, which is available at NO CHARGE from Adobe.

504 Repair Loans and Grants

For assistance, please contact the Local Office that serves the county in which you are interested.

       Please send comments or suggestions to:  beverly.helton@al.usda.gov