HOME | news | contact | about | index | e-mail | (304) 293-4191.

Funding Sources

Federal funding sources for individuals and homeowners--

for water wells and septic or onsite wastewater systems

The 502 Direct Home Loan program helps low- and very-low income applicants obtain decent, safe, and sanitary housing in eligible rural areas by providing payment assistance (a type of subsidy) to increase an applicant’s repayment ability. The payment assistance reduces the mortgage payment for a short time. The amount of assistance is determined by the adjusted family income. Applicants and the properties to be financed must meet eligibility criteria. Visit the website for more information: http://www.rd.usda.gov/programs-services/single-family-housing-direct-home-loans

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, including private water wells and septic/onsite wastewater treatment facilities.

A USDA home loan specialist in your area can answer questions. Find a representative in your area:

“USDA Service Center Locator:” Click on your state, then your county to find the Rural Development Office serving you.


Or click here for a list of Rural Development State Offices at:

Single Family Housing Guaranteed Loan Program (Program 101)
U.S. Department of Agriculture (USDA) Rural Development, Rural Housing Service


This Guaranteed Loan Program helps approved lenders by providing them with a 90 percent loan guarantee which helps reduce their risk of extending 100 percent loans to eligible low-income rural homebuyers. The program’s goal is to provide low- and moderate-income households the opportunity to own adequate, modest, decent, safe and sanitary dwellings as their primary residence in eligible rural areas.

Rural homebuyers who want to apply for these loans must meet eligibility criteria and may use the money to build, rehabilitate, improve, or relocate a dwelling in eligible rural areas, including for reasonable and customary connection fees or the pro rata installment cost for utilities such as water and sewer, potentially including private water wells and septic/onsite wastewater treatment systems. See the program link for all requirements: http://www.rd.usda.gov/programs-services/single-family-housing-guaranteed-loan-program

Rural homebuyers who want to apply for these funds must contact an approved lender in their area:

Click here for a partial list of approved lenders:

Contact your state’s Guaranteed Loan Coordinator for information about all approved lenders in your state: