The United States Department of Agriculture (USDA) offers a program called the USDA Rural Development Guaranteed Housing Loan Program, which provides assistance to low- to moderate-income households in rural areas to help them purchase a home. Here are the steps to getting down payment assistance for rural America through USDA: Determine eligibility: To be eligible for USDA Rural Development Guaranteed Housing Loan Program, you must meet certain income and location requirements. You can check your eligibility on the USDA's website or by contacting a local USDA office. Apply for a USDA loan: Once you determine your eligibility, you can apply for a USDA loan through an approved lender. The lender will verify your income, credit score, and other financial information to determine your loan eligibility and how much you can borrow. Explore down payment assistance options: Some USDA lenders offer down payment assistance programs to help borrowers with their upfront costs. Ask your lender if they offer any down payment assistance programs or if they can recommend any programs. Apply for down payment assistance: If your lender offers a down payment assistance program, you can apply for it during the loan application process. You will need to provide documentation of your income and assets to qualify. Complete homebuyer education: To participate in the USDA Rural Development Guaranteed Housing Loan Program, you must complete a homebuyer education course. This course will cover topics such as budgeting, credit, and homeownership responsibilities. Close on your home: Once you complete the homebuyer education course and all necessary paperwork, you can close on your home. The down payment assistance will be applied at closing, reducing your upfront costs. Overall, getting down payment assistance through USDA for rural America involves meeting eligibility requirements, applying for a USDA loan, exploring down payment assistance options, completing homebuyer education, and closing on your home. Watch the Video Here: Down Payment Assistance for Rural America - USDA

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