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Multi-Family Housing Loan Guarantees

U.S. Department of Agriculture, USDA Rural Development
Applications accepted on an ongoing basis

Contact the appropriate state Rural Development office.


USDA Rural Development Multi-Family Housing Loan Guarantees provide loan guarantees for qualified private-sector lenders to provide financing to qualified borrowers with the intent of increasing the supply of affordable rental housing for low to moderate income individuals and families in eligible rural areas and towns.

Loans may be used for construction, improvement, and purchase of multi-family rental housing for low to moderate income families and individuals, as well as for buying and improving land, and providing the necessary infrastructure for multi-family housing.


Private lenders may apply. Lenders are automatically eligible if approved and active in one of the following programs:

  • Fannie Mae, Freddie Mac, and Ginnie Mae
  • HUD
  • Federal Home Loan Bank members
  • State or local housing finance agencies

Eligible borrowers include:

  • Most state and local governmental entities
  • Nonprofit organizations
  • For-profit organizations, including LLCs
  • Federally-recognized tribes

Eligible areas include rural areas and towns with 35,000 or fewer people and federally-recognized tribal lands.

Geographic coverage
Amount of funding

USDA offers guarantees of up to 90% of the loan amount with terms between 25-40 years.

Application process

Links to additional information and the application form are available on the program website.

Tagged as
Housing and homelessness

For complete information about funding programs, including your application status, please contact funders directly. Summaries are provided for your convenience only. RHIhub does not take part in application processes or monitor application status.