Oregon Rural Housing Programs

Sign up for a Housing Seminar!
USDA Rural Development is adding Cornelius, Forest Grove, Wilsonville, Woodburn, Coos Bay, North Bend, Roseburg, and Klamath Falls to our eligible rural areas. To learn more, please come to one of seven informational seminars in June being held in these communities. To enroll or for more information, please click on the desired location above or contact us as indicated below.

HOUSING PROGRAMS INFORMATION GUIDE - a handy summary of all of USDA Rural Development's rural housing programs and activity levels in Oregon

Guaranteed Rural Housing Loans
Guaranteed Single Family Housing Loans are originated by approved mortgage lenders to assist qualified moderate income households in eligible rural areas. The loan provides up to 100% financing for households that are within the household income limit for the area. The Guarantee eliminates the need for a down payment and private mortgage insurance. Customers receive 30-year loans with fixed interest rates. Contact a local lender, or one of our Rural Development Area Offices for names of approved lenders in your area.

Direct Rural Housing Loans
The Section 502 Direct program provides loans in rural areas for low and very low income households to purchase or repair their existing home. Applicants may obtain 100% financing to purchase an existing dwelling, purchase a site and have a dwelling constructed, or newly constructed homes. Household income must be within the household income limit for the area and home purchase can not exceed the loan limit for the area. The homes must be owner occupied and payments are based on household income. Contact the Area Office serving your county for more information and applications forms.

Self Help Housing Loans
The Self-Help Housing loans assists groups of eight to twelve low and very-low income families work together to build homes new homes under the supervision of a construction supervisor. The groups perform at least 65 percent of the construction work. These groups share the common goal of home ownership and commit themselves to share in the work that will make that goal a reality. Contact the Area Office serving your county for more information and application forms.

Home Improvement and Repair Loans and Grants
These loans and grants enable very low-income rural homeowners to remove health and safety hazards from their homes, to improve or modernize them and to make them accessible for people with disabilities. Grants are available for homeowners age 62 and older who cannot afford to repay a loan at a 1% interest rate.