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Rural Housing Direct Loan (502)

The Rural Housing Direct Loan Program provides very low and low income families with financing to build, purchase, repair, or refinance homes and building sites that meet local codes. The home must be located in a rural community with less than 10,000 population, on a farm or in open country not closely associated with an urban area.

The home must be located on a site which as a sewage disposal and water system approved by the Division of Health, or their approved private contractor. Adequate streets and other services are approved on a site by site basis.

The cost of the modest home financed must not exceed the HUD Section 203b limit for the county in which the property is located. The home cannot have an in ground swimming pool, but otherwise is not limited in amenities.

Income & eligibility

Direct Home Loan Ineligibility Maps

For more information about the program, please contact the  USDA Rural Development Area Office nearest you. 

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USDA Rural Development is an Equal Opportunity Lender, Provider and Employer.

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 Last modified: June 05, 2009