USDA Seeks Comments on Housing Loan Forms
Published Date: 6/11/2026
Notice
Summary
The USDA’s Rural Housing Service wants to update the forms and info they collect for single-family home loans and grants to make things smoother and more modern. If you’re applying for these loans or grants, this could affect you. They’re asking for your thoughts by August 10, 2026, so don’t miss your chance to weigh in!
Analyzed Economic Effects
4 provisions identified: 2 benefits, 2 costs, 0 mixed.
Section 502: 100% Financing Help
If you are a low- or very low-income applicant seeking to buy a modest home in an eligible rural area, the Section 502 Direct Loan program provides 100 percent loan financing and payment assistance to increase your repayment ability. This notice is about information collection for that program and does not change the program description provided.
Section 504 Loans and Grants Details
If you already own a home in an eligible rural area and are very low-income, the Section 504 Loan gives you a 1 percent interest loan to repair or modernize your home. Elderly very low-income homeowners may receive Section 504 grants to remove health and safety hazards or accessibility barriers.
USDA Revising Loan Application Forms
You may have to use updated loan or grant forms if you apply for USDA Rural Housing Service Direct Single Family Housing loans or grants. The Agency is proposing a revision and system modernization; the notice estimates an average burden of 0.5 hours per response, with 442,888 estimated respondents and a total annual burden of 221,444 hours, and it is accepting comments through August 10, 2026.
Borrowers Must Provide Servicing Info
If you have an RHS loan and request loan servicing (like payment subsidies or a payment moratorium), you must provide the Agency with pertinent information so it can make servicing decisions. The Agency also must review borrowers for their ability to refinance with private credit when required.
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Related Federal Register Documents
2026-06173 — Single Family Housing Guaranteed Loan Program-Income Producing Accessory Dwelling Unit (ADU) Provisions
The USDA’s Rural Housing Service wants to update its loan program so people can get loans to buy homes with one or more income-producing Accessory Dwelling Units (ADUs). This means homeowners can finance properties that include rental units or spaces for home-based work. If you’re interested, make sure to send your comments by June 1, 2026!
2026-05387 — Single Family Housing Guaranteed Loan Program
The USDA’s Rural Housing Service is updating its Single Family Housing Guaranteed Loan Program to let approved lenders use automated systems for making loans and getting guarantees after closing. This change helps speed up the loan process for folks buying homes in rural areas. The new rules kick in June 17, 2026, with full use starting September 28, 2028, making it easier and faster for lenders and homebuyers alike.
2026-07617 — Single Family Housing Guaranteed Loan Program-Limited Party Concessions
The USDA’s Rural Housing Service wants to change the rules for its Single Family Housing Guaranteed Loan Program by saying real estate agent fees won’t count toward limits on what interested parties can give. This update affects homebuyers and sellers using these loans and could make deals smoother without extra cost limits. You’ve got until June 22, 2026, to share your thoughts before the rule is final.
2026-07618 — Changes Related to Insurance Requirements in Multi-Family Housing (MFH) Direct Loan and Grant Programs
Starting May 20, 2026, the USDA’s Rural Housing Service is updating insurance rules for Multi-Family Housing loans and grants. These changes make insurance coverage simpler and more in line with what affordable housing projects usually need, helping borrowers understand and meet requirements more easily. If you’re involved in rural multi-family housing projects, expect clearer insurance rules that could save time and hassle.
2026-07064 — Revisions to the Calculation of Annual Household Income and Net Family Assets in the Section 515 Rural Rental Housing and Section 514/516 Farm Labor Housing Programs
Starting April 13, 2026, the USDA is changing how it calculates yearly household income and family assets for folks living in certain rural rental and farm labor housing programs. These updates make sure the rules match a 2016 law aimed at modernizing housing help. If you live in or manage these homes, expect some new ways to report income that could affect your rent or eligibility.
2026-06951 — Multi-Family Housing Simple Transfer Pilot Program
The USDA’s Rural Housing Service is extending its Simple Transfer Pilot Program through the end of 2027. This program makes it easier and cheaper for owners of certain farm labor and rural rental housing to transfer property by cutting down on paperwork and speeding up approvals. If it works well, these simpler rules might become permanent, helping keep affordable housing in good shape.
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