Rural Housing Loan

Borrowers in rural areas have easier access to affordable housing, due to partnerships with the Rural Housing Service. The loans are backed by the Rural Housing Service, a division of the U.S. Department of Agriculture.


– No down payment is required for low- and moderate-income buyers.
– Affordable monthly mortgage payments.
– No cash reserves required in your savings account when you go to closing.
– You need less cash up-front than you would for FHA loans.


Your income is limited to 115 percent of the area median income for the guaranteed loan.

Single-family, non-farm, owner-occupied principal residences, are eligible.

Eligibility is limited to rural areas, which generally have a population no more than 10,000. In areas far from major metropolitan cities, the town population limit (where the property is located) may be as high as 20,000.

Call or Apply Here to determine if you are eligible and what areas are eligible.