Program Details

The USDA Community Facilities Direct Loan & Grant Program provides affordable financing options and support to residents in eligible rural areas. These programs are aimed at improving access to housing, repairing or upgrading homes, and fostering economic growth in underserved communities.

The USDA Community Facilities Direct Loan & Grant Program is backed by the USDA and includes features such as low-interest loans, grant opportunities, flexible eligibility standards, and a focus on long-term community resilience.

Eligibility Requirements

  • Must be a U.S. citizen or qualified non-citizen

  • Must meet USDA income and location requirements

  • Property must be located in an eligible rural area

  • Must demonstrate repayment ability

  • Some programs require ownership and occupancy

Program Benefits

  • Low or no down payment required

  • Below-market interest rates and favorable terms

  • Opportunities for both individuals and developers

  • Grants available for home repairs and preservation

  • Promotes rural economic and housing sustainability

How to Apply

  1. Confirm property is in an eligible rural area

  2. Review income and credit requirements

  3. Contact USDA Rural Development or approved lender

  4. Complete and submit required application forms

  5. Underwriting, approval, and closing process