Federal Housing Programs

Buying a home is often the most significant investment that a person may make in his lifetime. The United States Department of Housing and Urban Development, in addition to offering a variety of mortgage insurance programs, supports numerous programs sponsored by state and local governments and nonprofit organizations across the country.

Many of these offerings provide assistance to first time home buyers.

HUD also offers excellent advice for making the home buying process as stress-free and rewarding as prossible. Check out their advice on Ninety Nine Questions Answered about Buying Your First Home.

What follows is a listing of all the programs supporting home purchase and home improvements from the Catalog of Federal Domestic Assistance.

Farm Labor Housing Loans and Grants
Department of Agriculture

To provide decent, safe, and sanitary low-rent housing and related facilities for domestic farm laborers....more

Very Low to Moderate Income Housing Loans
Department of Agriculture

To assist very low, low-income, and moderate-income households to obtain modest, decent, safe, and sanitary housing for use as a permanent residence in rural areas....more

Rural Housing Site Loans and Self Help Housing Land Development Loans
Department of Agriculture

To assist public or private nonprofit organizations interested in providing sites for housing; to acquire and develop land in rural areas to be subdivided as adequate building sites and sold on a cost...more

Rural Rental Housing Loans
Department of Agriculture

To provide economically designed and constructed rental and cooperative housing and related facilities suited for rural residents....more

Very Low-Income Housing Repair Loans and Grants
Department of Agriculture

Section 504 loans and grants are intended to help very low-income owner-occupants in rural areas repair their properties....more

Rural Self-Help Housing Technical Assistance
Department of Agriculture

To provide Self-Help Technical Assistance Grants to provide financial assistance to qualified nonprofit organizations and public bodies that will aid needy very low and low-income individuals and thei...more

Rural Housing Preservation Grants
Department of Agriculture

To assist very low- and low-income rural residents individual homeowners, rental property owners (single/multi-unit) or by providing the consumer cooperative housing projects (co-ops) the necessary as...more

Section 538 Rural Rental Housing Guaranteed Loans
Department of Agriculture
This program has been designed to increase the supply of affordable multifamily housing in rural areas through partnerships between Rural Development and major lending sources, as well as State and lo...more

The Rural Development (RD) Multi-Family Housing Revitalization Demonstration Program (MPR)
Department of Agriculture
To preserve and revitalize existing rural rental housing and farm labor housing projects financed by RHS under Section 515 and Sections 514/516 of the Housing Act of 1949 and to ensure that sufficient...more

Rural Development Multi-Family Housing Rural Housing Voucher Demonstration Program
Department of Agriculture
The Rural Housing Voucher Demonstration program is designed to provide rental housing assistance vouchers to tenants in properties that prepay their Rural Development mortgage. The amount of this sub...more

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