USDA Rural Development's housing program, in North Dakota, has various programs available to aid in the development of rural America. The housing program is divided into two categories: Single Family Housing (SFH) and Multi-Family Housing (MFH). The housing program also guarantees loans made by eligible lenders for single family housing and multi-family housing projects. These programs were formerly administered by the Farmers Home Administration.
The following is a summary of Rural Development's housing program::
Housing Direct Loans (SFH)
Purpose: Loans to aid low- and very-low income rural residents to purchase, construct, repair, or relocate a single family dwelling and related facilities. The loans are typically made with payment assistance depending on the income level. Loans may be made for the market value of the property with improvements. The home must be located in rural areas, or towns under 20,000 residents,
to the equivalent of 22 to 26 percent of the applicant's income.
Housing Guaranteed Loans (SFH)
Purpose: Single family housing guaranteed loans are available to credit-worthy applicants. The loans are made by an eligible bank or lender with guarantees by the Rural Housing Service. Loans are available for residents of rural areas and towns with under 25,000 population.
Housing Preservation Grants (SFH)
Purpose: To provide qualified public nonprofit organizations and public agencies with grant funds for effective programs to assist very low- and low-income homeowners repair or rehabilitate their homes in rural areas to assist rental property owners and co-ops repair and rehabilitate their units if they agree to make such units available to low- and very low-income persons.
Home Improvement and Repair Loans and Grants (SFH)
Purpose: To enable very-low-income rural homeowners to remove health and safety hazards in their home and to make homes accessible for people with disabilities. Grants are available for people 62 years old and older who cannot afford to repay a loan.
USDA Rural Development North Dakota DIRECTORY of CAPITAL NEEDS ASSESSMENT (CNA) PROVIDERS
Rural Rental Housing Loans (MFH)
Purpose: To allow individuals or organizations to build or rehabilitate rental units for low-income and moderate income residents in rural areas.
Fact Sheet:
Multi-Family Rural Rental Guaranteed (Section 538)
Rental Assistance (MFH)
Purpose: Rural Rental Housing projects assist in reducing the amount of out of pocket cash that very-low-income and low-income families pay for rent, including utilities.
Congregate Housing and Group Homes (MFH)
Purpose: Congregate housing and group homes are designed to provide living units for persons or families with low incomes and moderate incomes and who are age 62 or older, or have handicaps or disabilities. Congregate housing is residential housing consisting of private apartment and central dining facilities. Group homes are used by elderly, handicapped or disabled tenants sharing living space within a rental unit in which resident assistance may be required. Loans can be made to individuals, partnerships, trusts, associations, State or local public agencies, consumer cooperatives and corporations.
Self-Help Housing Loans (SFH)
Purpose: To assist groups of six to eight low-income families in helping each other build homes by providing materials, site and the skilled labor they cannot furnish. The families must agree to work together until all homes are finished.
Technical Assistance Grants for Self-Help Housing (SFH)
Funding is available for public and non-profit groups. Applicants must show the need for self-help housing, the professional expertise to supervise a project, and a lack of funding for the assistance.
Rural Housing Site Loans (SFH)
Purpose: To buy land, access streets, and utilities. These loans are made to public and local private nonprofit groups for housing sites, including self help housing.
Farm Labor Housing Loans and Grants (MFH)
Purpose: To enable farmers, public or private nonprofit organizations, and units of State and local governments to build, buy, or repair farm labor housing in either dormitory or multifamily apartment style. Domestic farm laborers, both migrant and year-around, and their families will occupy the housing.
Please send any comments or suggestions to:
jane.grant@nd.usda.gov
Revised on: December 10, 2010