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FederalRolling / continuousLoan / creditNationwide

Farm Labor Housing Loans & Grants (Section 514/516)

USDA Rural Development

1% loans (and grants for nonprofits) to build or repair housing for farm laborers, including housing for your own seasonal crew.

Typical award
33-year 1% loans; grants up to 90% for nonprofits
Deadline
Rolling loans; grant NOFAs announced annually
Type of support
Loans & credit · Infrastructure
Who can apply
Individual producer, Non-profit, Tribal, Other
Fits these operations
Vegetables & produce, Cut flowers, Orchard & fruit, Mixed / diversified, Value-added & food business, Urban farm
The eligibility and application details below are general guidance for this kind of program, not text copied from the funder. The facts above — who runs it, how much, and when it closes — are hand-checked. Always confirm specifics on the official page.

Am I eligible?

  • Open nationwide — check for state-level ranking or set-asides
  • Individual farmers, ranchers, and farm businesses may apply
  • Non-profits, co-ops, and community organizations may apply
  • Tribes, tribal producers, and tribal enterprises are eligible
  • Active SAM.gov registration and UEI number required before award
  • Must be in compliance with USDA/federal program rules (AGI limits, conservation compliance)
  • Credit history, repayment ability, and collateral are reviewed
  • Business plan and cash-flow projections generally required

How to apply

  1. 1Talk to a USDA Rural Development loan officer about the size and purpose of the loan
  2. 2Assemble financials: balance sheet, income history, and projections
  3. 3Submit the application with your business plan and collateral information
  4. 4Respond to underwriting questions, then close and draw funds

What you'll need

  • Farm or business name, address, and tax ID / EIN
  • Three years of tax returns (or projections if you're just starting)
  • Current balance sheet and cash-flow projection
  • Business plan and description of what the loan will buy
  • Collateral list and any existing debt schedule

Timeline & contact

Typically 30–90 days from application to closing, faster for microloans
Get help: USDA Rural Development — your local USDA Service Center or state office can walk you through it

Ready to apply?

Applications go through USDA Rural Development, not through this site. Open the official page below for eligibility rules, forms, and contacts. For federal programs it's worth calling your local USDA Service Center or Cooperative Extension office first — they help with paperwork for free and know what your county actually funds.

Open official page

This listing was last hand-checked August 2026.

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