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Available Programs
Each organization makes its own eligibility, credit, funding, and scheduling decisions. Review the current program requirements before applying.
Existing rural homeUSDA Section 504 Home Repair
For qualifying very-low-income homeowners repairing an owner-occupied home in an eligible rural area.
- Published loans up to $40,000 at 1% for 20 years
- Possible grants for qualifying homeowners age 62 or older
- Essential water-supply repairs may qualify
Review the Michigan programNo reliable water supplyWater Well Trust
Well and septic funding assistance for qualifying low-income households without a safe, reliable water source.
- Existing owner-occupied primary residences
- No reasonable connection to a public water supply
- Not available for new construction
Start with the Water Well TrustNew home constructionUSDA Section 502 Direct Home Loan
Home financing for qualifying low- and very-low-income applicants purchasing or building in eligible rural areas.
- New construction or home purchase
- Site preparation may be included
- Water and sewage facilities may be part of the home financing
Review the Michigan programAgricultural projectUSDA Farm Service Agency Loans
Direct and guaranteed financing for eligible farm ownership, improvements, operations, and soil or water conservation work.
- Farm buildings and essential improvements
- Land and water development
- Direct, guaranteed, and microloan options
Explore farm loan programs