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United States Department of Agriculture (USDA) Rural Development - Minnesota State Office

Help Paying for Basic Needs - Home Loan Program for Rural Homeowners

375 Jackson St, Ste 410, St. Paul, MN 55101

Eligibility

A number of factors determine eligibility, including: * Adjusted gross income at or below low-income limit for your area * Willingness and ability to repay loan More detailed eligibility guidelines are available online.

Application process

Applications for this program are accepted through your local Rural Development office

Service area

Dodge County, MN
Goodhue County, MN
Houston County, MN
Kanabec County, MN
Koochiching County, MN
Lincoln County, MN
Nicollet County, MN
Olmsted County, MN
Otter Tail County, MN
St. Louis County, MN
Aitkin County, MN
Cass County, MN
Jackson County, MN
Le Sueur County, MN
Morrison County, MN
Nobles County, MN
Norman County, MN
Polk County, MN
Scott County, MN
Traverse County, MN
Watonwan County, MN
Big Stone County, MN
Carver County, MN
Chippewa County, MN
Cook County, MN
Crow Wing County, MN
Mille Lacs County, MN
Pope County, MN
Renville County, MN
Rock County, MN
Roseau County, MN
Stearns County, MN
Anoka County, MN
Chisago County, MN
Clay County, MN
Grant County, MN
Kandiyohi County, MN
Marshall County, MN
Pine County, MN
Pipestone County, MN
Redwood County, MN
Steele County, MN
Wright County, MN
Becker County, MN
Fillmore County, MN
Mahnomen County, MN
Mower County, MN
Pennington County, MN
Rice County, MN
Todd County, MN
Wabasha County, MN
Washington County, MN
Wilkin County, MN
Winona County, MN
Brown County, MN
Clearwater County, MN
Dakota County, MN
Faribault County, MN
Freeborn County, MN
Isanti County, MN
Itasca County, MN
Kittson County, MN
Lake of the Woods County, MN
Martin County, MN
Yellow Medicine County, MN
Beltrami County, MN
Blue Earth County, MN
Carlton County, MN
Cottonwood County, MN
Lac Qui Parle County, MN
McLeod County, MN
Ramsey County, MN
Sherburne County, MN
Stevens County, MN
Swift County, MN
Wadena County, MN
Benton County, MN
Douglas County, MN
Hennepin County, MN
Hubbard County, MN
Lake County, MN
Lyon County, MN
Meeker County, MN
Murray County, MN
Red Lake County, MN
Sibley County, MN
Waseca County, MN

Other Information

Specialization

People with low income

Description

Offers cash or other short term aid to people in a crisis that is affecting their access to basic needs Emergency assistance can vary based upon eligibility and available funds. MORE INFORMATION The Single Family Housing Direct Home Loans Program assists low- and very-low-income rural homeowners to purchase decent housing. The program is also called the Section 502 Direct Loan Program. Payment assistance is a type of subsidy that helps to reduce mortgage payments for a short time. Loan funds may be used to help low-income individuals or households purchase homes in rural areas. Funds can be used to build, repair, renovate or relocate a home, or to purchase and prepare sites, including providing water and sewage facilities.

Last Update

03/19/2026

Providing organization

United States Department of Agriculture (USDA) Rural Development