United States Department of Agriculture (USDA) Rural Development

Help Paying for Basic Needs - Home Loan Program for Rural Homeowners

Short term help for basic needs like food, shelter and transportation

Description

Offers cash or other short term aid to people in a crisis that is affecting their access to basic needs

Emergency assistance can vary based upon eligibility and available funds.

Additional Information

The Single Family Housing Direct Home Loans Program assists low- and very-low-income rural homeowners to purchase decent housing. The program is also called the Section 502 Direct Loan Program.

Payment assistance is a type of subsidy that helps to reduce mortgage payments for a short time.

Loan funds may be used to help low-income individuals or households purchase homes in rural areas. Funds can be used to build, repair, renovate or relocate a home, or to purchase and prepare sites, including providing water and sewage facilities.

Features

• Area Served by County
  • Aitkin County
  • Anoka County
  • Becker County
  • Beltrami County
  • Benton County
  • Big Stone County
  • Blue Earth County
  • Brown County
  • Carlton County
  • Carver County
  • Cass County
  • Chippewa County
  • Chisago County
  • Clay County
  • Clearwater County
  • Cook County
  • Cottonwood County
  • Crow Wing County
  • Dakota County
  • Dodge County
  • Douglas County
  • Faribault County
  • Fillmore County
  • Freeborn County
  • Goodhue County
  • Grant County
  • Hennepin County
  • Houston County
  • Hubbard County
  • Isanti County
  • Itasca County
  • Jackson County
  • Kanabec County
  • Kandiyohi County
  • Kittson County
  • Koochiching County
  • Lac qui Parle County
  • Lake County
  • Lake of the Woods County
  • Le Sueur County
  • Lincoln County
  • Lyon County
  • Mahnomen County
  • Marshall County
  • Martin County
  • McLeod County
  • Meeker County
  • Mille Lacs County
  • Morrison County
  • Mower County
  • Murray County
  • Nicollet County
  • Nobles County
  • Norman County
  • Olmsted County
  • Otter Tail County
  • Pennington County
  • Pine County
  • Pipestone County
  • Polk County
  • Pope County
  • Ramsey County
  • Red Lake County
  • Redwood County
  • Renville County
  • Rice County
  • Rock County
  • Roseau County
  • Scott County
  • Sherburne County
  • Sibley County
  • St. Louis County
  • Statewide
  • Stearns County
  • Steele County
  • Stevens County
  • Swift County
  • Todd County
  • Traverse County
  • Wabasha County
  • Wadena County
  • Waseca County
  • Washington County
  • Watonwan County
  • Wilkin County
  • Winona County
  • Wright County
  • Yellow Medicine County

• Specialization
  • People with low income

Eligibility

A number of factors determine eligibility, including:

• Adjusted gross income at or below low-income limit for your area
• Willingness and ability to repay loan

More detailed eligibility guidelines are available online.

Application Instructions

Applications for this program are accepted through your local Rural Development office