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USDA Rural Development Summary of Major Programs

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USDA Rural Development Summary of Major Programs USDA Rural Development Summary of Major Programs Together, America Prospers USDA Rural Development at a Glance Rural America’s Partner in Prosperity WE HAVE MORE THAN USDA Rural Development is the lead Federal agency helping rural communities grow and prosper. We 40 PROGRAMS TO SUPPORT increase economic development and improve the RURAL AMERICA. quality of life in rural places and small towns. We provide loans, grants and technical assistance Telecommunications Programs to build critical infrastructure like broadband, water systems, and hospitals. Our programs expand access to e-connectivity, electric, and transportation infrastructure, and support business growth, healthcare, education, housing, and other community essentials. Electric Programs We stand ready to be your partner in prosperity for rural America. Contact us today to learn more and connect with the local USDA Rural Development team that Community Facilities Programs serves your area: www.rd.usda.gov Water and Environmental Programs 1 (800) 670-6553 @usdaRD Business and Cooperative Programs Contact the USDA Rural Development Office in your community to learn more Single-Family Housing Programs Multi-Family Housing Programs 3 4 USDA Rural Development Summary of Major Programs Rural Housing and Community Facilities Programs Program Objective Applicant Uses Population Loan/ Terms/Conditions Grant Single-Family Safe, well-built, Families and Buy, build, improve, Rural areas with Direct loan. Up to 100% of market Housing Direct affordable homes individuals. repair or rehabilitate populations up to value or cost. Loan term Loans (including for very-low- and a rural home as the 20,000 (in special of 33/38 years. Applicant low-income rural applicant’s permanent may be eligible for payment Self-Help Loans) circumstances, Americans. residence. communities up to assistance (subsidy) on 35,000 may be eligible). the loan. Single-Family To help low- to Families and Purchase new or Rural areas with Loan 30-year fixed. The interest Housing Loan moderate-income individuals. existing homes and populations up to guarantee. rate is negotiated between Guarantees applicants/households refinance existing 20,000 (in special lender and borrower. Loans buy their homes by Rural Development circumstances, up to 100% of market guaranteeing loans guaranteed or direct communities up to value, plus the amount of made by private loans. 35,000 may be eligible). the up-front guarantee fee lenders. being financed. Single-Family To help very-low- Families and Repair/replace roof, Rural areas with Direct loan Loans up to $20,000 for up Housing Repair income applicants individuals who winterize, purchase or populations up to and grant. to 20 years at 1%. Grants Loans and remove health and currently own their repair heating system, 20,000 (in special available to very-low-income safety hazards or home. structural repair, water/ applicants ages 62 years Grants circumstances, repair their homes. sewage connect fees, communities up to or older unable to pay a etc. 35,000 may be eligible). 1% loan. Self-Help Helps lower income Nonprofits and Technical assistance Rural areas with Grant. Grant agreement. Housing families build their public bodies. to train small groups populations up to Technical own homes. of families how to build 20,000 (in special each others’ homes. Assistance circumstances, communities up to Grants 35,000 may be eligible). Rural Rental Safe, well-built, Individuals, trusts, Rental housing; Rural areas with Direct loan. Up to 100% of total Housing Direct affordable rental associations, limited new construction populations up to development cost Loans housing for very-low- partnerships, for-profit or substantial 20,000 (in special (nonprofits); 97% (for-profits); income individuals and nonprofit entities, rehabilitation. circumstances, 95% (for-profits with and families. Federally-recognized communities up to Low-Income Housing Tax Indian Tribes, 35,000 may be eligible). Credits). 30-year term with public bodies. up to 50-year amortization. Rural Rental Guarantees on For-profit and Build or rehabilitate Rural areas with Loan At least a 25-year term with Housing Loan loans to build or nonprofit lenders. affordable rental populations up to guarantee. fixed interest rate. Loan Guarantees preserve affordable housing. 20,000 (in special guarantees on up to 90% housing for very-low circumstances, of the principal. to moderate-income communities up to tenants. 35,000 may be eligible). Housing Repair and Public bodies To operate a program Rural areas with Grant. Grant agreement. Preservation rehabilitate housing and nonprofit that finances repair and populations up to Grants owned or occupied organizations. rehabilitation activities 20,000 (in special by very-low- and low- for single-family and circumstances, income small rental properties. communities up to rural families. 35,000 may be eligible). Farm Labor Safe, well-built Individuals, public Rental housing; Not applicable. Direct loan Up to 102% of total Housing Loans affordable rental and private nonprofit new construction and grant. development cost. Up to and Grants housing for organizations. or substantial 33 years to repay at 1% farmworkers. rehabilitation. interest. Community Improve, develop, Public bodies, Construct, enlarge, City, town, or Direct Up to 100% of market value. Facilities Loans or finance essential nonprofits, and or otherwise improve unincorporated area of loan, loan Term is for the useful life of and Grants community facilities Federally-recognized essential community not more than 20,000 guarantee, the facility or equipment, for rural communities. Indian Tribes. facilities such as public for direct loans. For or grant. based on State statute, or Facilities must safety, fire and rescue, loan guarantees, not 40 years. Maximum grant primarily serve rural telecommunications, more than 50,000. 75% of project cost. Grant residents. schools, libraries, Loan guarantee funds eligibility based on income, hospitals and other are prioritized in favor population, and need. healthcare facilities, of towns with etc. This may include populations of 20,000 furnishings, fixtures, or less for fiscal year and other required 2020. equipment. Rural To facilitate housing, Private nonprofit or Technical assistance City, town, or Grant. Matching funds Community community facilities, public organizations, grants of $50,000 to unincorporated area of required for grant. Development and community philanthropic $300,000 to develop not more than 50,000 and economic foundations, low- the capacity and ability in population. Initiative development projects. income communities. of awardees to carry out needed projects. For direct loans and grants, apply to Rural Development. For loan guarantees, apply to participating intermediaries such as approved banks, mortgage companies, etc. 5 6 Rural Business and Cooperative Programs Program Objective Applicant Uses Population Loan/Grant Terms/Conditions Business and Create jobs/stimulate Lenders/ Real estate, buildings, All areas except Loan Lender and borrower Industry Loan rural economies by businesses. equipment, supplies, cities with populations guarantee. negotiate terms. Up to 30 Guarantees providing financial working capital, and exceeding 50,000 years for real estate, 15 backing for rural some debt refinancing. and their contiguous years for machinery and businesses. urbanized areas. equipment, and 7 years for working capital. Rural Business Help small and Public bodies, Acquire or develop All areas rural in Grant. Grants are awarded on a Development emerging private government land, buildings, plants, character except competitive basis. Grants businesses and/or entities, nonprofit and equipment; build or cities with populations nonprofits in rural entities, and improve access roads, exceeding 50,000 communities startup Federally- parking areas, utility and their contiguous or expand. recognized Indian extensions, and water urbanized areas. Note: This program Tribes. and waste disposal combines the former facilities; provide Rural Business technical assistance; Enterprise Grant establish revolving loan and Rural Business funds; and support Opportunity Grant rural distance learning programs and was programs that provide created through the educational or job 2014 Farm Bill. training. Intermediary Establish revolving Public bodies, Community development Rural areas and Direct loan. The intermediary makes Relending funds for business nonprofit projects, establish or incorporated places loans to businesses Program Loans facilities and corporations, expand businesses, with populations of from its revolving loan community Federally- create or save rural jobs. fewer than 50,000. fund on terms consistent development recognized with security offered. projects. Indian Tribes, and Intermediary pays 1% for cooperatives. 30 years. Rural Establish revolving Microenterprise Loans, technical, All areas except Loans, grants. Rural microenterprises Microentrepreneur funds to target Development and capacity- cities with populations apply directly to the Assistance assistance to small Organizations building assistance to exceeding 50,000 intermediary. rural enterprises. (MDOs). businesses with 10 or and their contiguous Program fewer employees, and urbanized areas. sole proprietorships. Rural Economic Finance economic Rural Utilities Business startups or Rural areas with Direct loan Intermediary makes loans Development development and Service-financed expansion projects that populations of or grant to to for-profit
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