Community Facilities Programs

Community Facilities Guaranteed Loan (CF Guarantee)

Purpose: What is the Program's Goal?
To provide an incentive for commercial lending that will develop essential community facilities.

Program Type: How does it work?
USDA guarantees loans made by banks.

Eligible Applicants: Who can apply?
Banks and other commercial lenders ... to make loans to nonprofits, tribes, & public bodies (e.g., cities or counties).

Eligible Areas: What is Rural?
Unincorporated areas & < 20,000 population cities.

Authorized Purposes: What can funds be used for?
The loans guaranteed can be used for real estate & equipment.  Types of projects include clinics, hospitals, public buildings, day care centers, fire stations, fire trucks, & recreational facilities.

Typical Amount of Assistance:
$100,000 - $6 million.

Rates & Terms (rates subject to change):
Negotiated between borrower & lender. Fixed or variable rates.

Key to Success:
Lender-driven: there must be a bank willing to make the loan.  (USDA just guarantees the loan.) Typically, only nonprofit borrowers qualify for CF guarantees.

When to Apply:
Year round.

Contact Bonnie S. Carrig at our State Office.
Email: Bonnie.Carrig@ut.usda.gov

Community Facilities Direct Loan (CF Direct)

Purpose: What is the Program's Goal?
Develop essential community facilities.

Program Type: How does it work?
USDA makes loans to develop essential community facilities.

Eligible Applicants: Who can apply?
Nonprofits, tribes, and public bodies (e.g., cities or counties).

Eligible Areas: What is Rural?
Unincorporated areas &<20,000 population cities.

Authorized Purposes: What can funds be used for?
The loans can be used for real estate & equipment. Types of projects include clinics, hospitals, public buildings, day care centers, & fire stations or fire trucks.

Typical Amount of Assistance:
$100,000 - $2 million.

Rates & Terms (rates subject to change):
4.5%-5.875% fixed; 40 years maximum.

Key to Success:
The loan must be fully secured by a lien on the property financed or by a pledge of tax revenues.

When to Apply:
Year round

Use this link to find out who to contact in Utah by areas of the state:

Community Facilities Grant (CF Grant) 

Purpose: What is the Program's Goal?
Help communities that cannot qualify for a CF loan pay for the cost of developing essential community facilities.

Program Type: How does it work?
USDA makes grants to develop essential community facilities.

Eligible Applicants: Who can apply?
Nonprofits, tribes, and public bodies (e.g., cities or counties).

Eligible Areas: What is Rural?
Unincorporated areas and <20,000 populated cities and towns.

Authorized Purposes: What can funds be used for?
The grants can be used for real estate & equipment. Types of projects include clinics, hospitals, public buildings, day care centers, & fire stations or fire trucks.

Typical Amount of Assistance:
$20,000-$50,000.

Rates & Terms (rates subject to change):
Grant.

Key to Success:
May pay for 15-75% of the project cost depending on the community's population & median household income.

When to Apply:
Year round.

Use this link to find out who to contact in Utah by areas of the state:

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