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USDA Rural Development
Max Benefit
$500K
Enrollment Period
Open enrollment
This program assists low- and very-low-income applicants in obtaining decent, safe, and sanitary housing in eligible rural areas by providing payment assistance to reduce the applicant's repayment obligation. Payment assistance is a type of subsidy that reduces the mortgage payment temporarily for a period of time. The amount of assistance is determined by the adjusted family income.
Answer each question — we'll show you exactly what applies to your situation.
What is your household income?
This program uses Area Median Income (AMI) — the middle income for your local area — as its benchmark. Your limit is 80% of your area's AMI, which varies by location. Select your state and area to see your exact limit.
Do you live in a rural area?
Are you a US citizen or qualifying non-citizen?
Are you without decent, safe, and sanitary housing?
Are you unable to obtain a loan from other sources at reasonable terms?
Can you demonstrate ability to repay the loan?
Cannot own another home at time of loan closing?