Rural Development loans available locally

November 30, 1999

USDA, Rural Development offers subsidized mortgage payments to qualified participants to help them buy homes in rural areas.

In Washington County, the mortgage limit for the program currently is $236,700.

To be eligible for the program, participants must live in a rural area and meet the household size, income and housing cost requirements.

Income limits vary by county and household size.

In Washington County the maximum income limit for a family of two to participate in the direct homeownership program is $37,800. For a family of four, the income limit is $47,300.

Homeowners in rural areas who need to make repairs to their homes may be eligible for USDA, Rural Development 1 percent loans. These loans are available only to very low-income homeowners.


Income limits vary by county and household size. In Washington County, very low income is defined at about $20,650 annually for a one person household, and increases depending upon household size and other factors.

Home repair loans can be used for such things as repairing/replacing a roof, replacing siding, installing storm window and doors, replacement of heating system, installing central air, repairing electrical and plumbing deficiencies, hooking up to water or sewer systems or making a house more handicapped accessible.

Only a written promise to repay the loan is required on loans up to $7,499. Loans above that require mortgage security. The maximum loan is $20,000.

More information about Rural Development's loans or the home repair program contact can be obtained by contacting Bonnie Rohrer, Rural Development manager, at 301-797-0500, ext. 4, or by going to . TTY users may call 302-857-3585.

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