Department Of Agriculture
through a number of programs offered by U.S. Department of Agriculture for people who have low or moderate incomes.
Called Direct Housing – Natural Disaster and referred to as Program #10.445 in the Catalog of Federal Domestic Assistance, this program assists qualified lower income rural families to meet emergency assistance needs resulting from natural disaster to buy, build, rehabilitate, or improve dwellings in rural areas. Funds are only available to the extent that funds are not provided by the Federal Emergency Management Agency (FEMA). For the purpose of administering these funds, natural disaster will only include those areas identified by a Presidential declaration. Contact your local office of the U.S. Department of Agriculture Rural Housing Service at
Called The Interest Assistance Program and referred to as Program #10.437 in the Catalog of Federal Domestic Assistance, this program provides a 4 percent subsidy to farmers and ranchers, who do not qualify for standard commercial credit. Guaranteed loans are serviced by a lender who has entered into a Lenders Agreement with the agency. The total loan limit for a guaranteed loan cannot exceed $731,000. Contact your local office of the U.S. Department of Agriculture Rural Housing Service.
Called Direct Housing-Natural Disaster Loans and Grants and referred to as Program #10.444 in the Catalog of Federal Domestic Assistance, this program provides grants to assist very-low income owner- occupants to repair or replace damaged property as a direct result of a natural disaster. Loans are made in counties named by the Federal Management Agency as being eligible for Federal assistance under an emergency declaration by the President. Contact your local office of the U.S. Department of Agriculture Rural Housing Service
Let the government help you to replace trees, bushes, and vines through the Tree Assistance Program. If you are a landscaper/orchardist and had plants damaged or destroyed by natural disaster, you can be reimbursed up to $75,000 for the cost to replant eligible trees, bushes, and vines. To find out how, contact the Department of Agriculture, Farm Service Agency
wouldn’t it be fun to chuck the city life and go raise horses out in the country? Well, the U.S. Department of Agriculture has a money program to help you. It’s called Farm Operating Loans and it is for people who want to run small farms or ranches away from traffic that scares the horses. You can actually get up to $762,000 with interest rates as low as 3.75%. Pretty good deal.
The city of Houston offers $5,000 fix up money for the disabled and elderly in their Emergency Repair Program, and Minneapolis offers up to $10,000. The Rural Housing Service of the U.S. Department of Agriculture offers special grants through their Section 504 program of up to $7,500 if you’re over 62 and need to fix up your home. Contact your city government, your county government and your local community development office to learn about local programs. If you have trouble locating your local community development office, contact National Association of Housing and Redevelopment Officials, 630 I St., NW, Washington, DC 20001; 202-289-3500; or Office of Community Planning and Development, P.O. Box 7189, Gaithersburg, MD 20898; 800-998-9999;For Rural Housing Service contact Single Family Housing Programs, USDA Rural Housing Service, 1400 Independence Ave., SW, Washington, DC 20250; 202-720-4323.
(Food and Agricultural Science National Needs Graduate Fellowship Grants 10.210)
These grants are to be used to encourage outstanding students to pursue and complete a graduate degree in an area of the food and agricultural sciences for which there is a national need for development of scientific expertise. Money can be used to support a student completing a graduate, masters, or doctorate degree. Students must apply to those institutions that received the money. Contact the Grants Program Manager, Office of Higher Education Programs, CSREES, U.S. Department of Agriculture, 1400 Independence Ave., SW, Stop 2251, Washington, DC 20250-2251; 202-720-7854; Continue reading
if you are having a bad month and made only $1,000 this month as a single person or you are a family of four and made less than $2,100. This is what you can get from the U.S. Department of Agriculture Food and Nutrition Program. Millions must be eligible and never apply. We’ve all had a bad couple of months once in a while. See what the requirements are in your state to get this help
Called The Very Low Income Housing Loans Program and referred to as Program #10.410 in the Catalog of Federal Domestic Assistance, this program helps 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. Direct and guaranteed loans may be used to buy, build, or improve the applicant’s permanent residence. New manufactured homes may be financed when they are on a permanent site, purchased from an approved dealer or contractor, and meet certain other requirements. Under very limited circumstances, homes may be re-financed with direct loans. Dwellings financed must be modest, decent, safe, and sanitary. The value of a home financed with a direct loan may not exceed the area limit. Direct loans are made at the interest rate specified in RD Instruction 440.1, Exhibit B (available in any Rural Development local office), and are repaid over 33 years or 38 years for applicants whose adjusted annual income does not exceed 60 percent of the area median income, if necessary to show repayment ability. Payment assistance is granted on direct loans to reduce the installment to an effective interest rate as low as one percent, depending on adjusted family income. Payment assistance is subject to recapture by the government when the customer no longer resides in the dwelling. There is no funding provided for deferred mortgage authority or loans for deferred mortgage assumptions. Guaranteed loans may be made to refinance either existing RHS Guaranteed Housing loans or RHS Section 502 Direct Housing loans. Guaranteed loans are amortized over 30 years. The interest rate is negotiated with the lender. Contact your local office of the U.S. Department of Agriculture Rural Housing Service.