Rural Development’s Single Family Housing Programs give families and individuals the opportunity to buy, build, or repair affordable homes located in rural America. Eligibility for these loans, loan guarantees, and grants is based on income and varies according to the average median income for each area.

USDA Rural Development’s Single Family Housing Programs give families and individuals the opportunity to buy, build, or repair affordable homes located in rural America - https://www.rd.usda.gov/programs-services/single-family-housing-programs

For Homeowners:

• Home Repair Loans and Grants assists very low income homeowners in eligible rural areas to repair, improve, or modernize your home. Apply directly with Rural Development. Grants possible for age 62 and over

For Homebuyers:

• Single Family Housing Direct Loans Program provides loans to very-low-income homeowners to repair, improve or modernize their homes, or grants to elderly 62 years and older very-low-income homeowners to remove health and safety hazards.
• Single Family Housing Guaranteed Loan Program assists low- and very-low-income applicants to purchase or build a decent, safe and sanitary housing in eligible rural areas with no money down and provides payment assistance to increase an applicant’s repayment ability.
• Guaranteed Loan Program assists approved lenders in providing low- and moderate-income households the opportunity to own adequate, modest, decent, safe and sanitary dwellings as their primary residence in eligible rural areas. Refinance options are also available.

USDA Rural Development can also support homeowners, businesses, and communities in recovering and rebuilding, especially in providing long-term support through repairing homes, essential community facilities, and rural water systems. For more information, individuals can review Rural Development’s disaster toolkit.

For more information on USDA programs and how they can support, please contact the following or visit the Kahului Service Center at the address listed below.

Mr. Gerald Gregory
Natural Resources Conservation Service  
gerald.gregory@usda.gov
Direct Phone: (808) 214-1747

Nenita E. Acob
Area Specialist
Maui Satellite Office, Rural Development
United States Department of Agriculture
Direct Phone:  (808) 214-1733 / Fax:  (855) 878-2464

Kahului Service Center
‍77 Hookele Street, 2nd Floor
Kahului, HI  96732