USDA Pushes Back Credit Checks for Housing – Snooze Fest

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.

2026-05595 — Single Family Housing Section 502 Home Loan Program-Self-Help and Affordable Housing

Starting March 23, 2026, the USDA’s Rural Housing Service is testing a new pilot program that lets self-help home builders and affordable housing projects exceed current loan limits. This means folks building modest homes in rural areas could get more financial help than before. The pilot runs for two years, giving the agency a chance to see how these changes impact rural homeownership and affordability.

2026-05394 — Single Family Housing Section 502 Guaranteed Loan Program Lender Interactive Test Environment (LITE) Delegated Authority Pilot Program

Starting September 1, 2026, eligible lenders can approve certain rural home loans themselves without waiting for USDA’s pre-approval, thanks to a new two-year pilot program. This change speeds up the loan process for low- and moderate-income families buying homes in rural areas, while USDA keeps an eye on how lenders handle this new power. The pilot aims to make home buying easier and faster, with no extra cost to borrowers.

2026-04581 — OneRD Annual Notice of Guarantee Fee Rates, Periodic Retention Fee Rates, Loan Guarantee Percentage and Fee for Issuance of the Loan Note Guarantee Prior to Construction Completion for Fiscal Year 2026

Starting October 1, 2025, the USDA’s Rural Development agencies are updating the fees and loan guarantee percentages for their loan programs that help rural businesses, housing, utilities, and energy projects. If you’re applying for these loans in fiscal year 2026, expect new rates for guarantee fees, retention fees, and issuance fees before construction finishes. These changes keep the programs running smoothly and support rural communities with fair costs.

2025-22567 — OneRD Guaranteed Loan Regulation

The USDA fixed some mistakes in the OneRD Guaranteed Loan rules that affect businesses and communities using loans for things like water, energy, and rural projects. These corrections clear up confusing definitions and bring back important parts accidentally removed. The updated rules take effect December 11, 2025, helping keep loan programs running smoothly without changing the money involved.

Previous: 2025-01903 — Section 8e Import Inspection Fee Structure

The start date for new fees on inspecting imported fruits, veggies, and other products is pushed back from December 30, 2024. These fees help cover the real costs of inspection services, so importers will see changes in what they pay, but a bit later than planned. If you bring in fresh produce or similar goods, keep an eye on the new timeline and fee updates!

Next: 2024-31634 — Establishment of Class E Airspace; Webster, SD

Webster, SD is getting new Class E airspace around Sigurd Anderson Airport to help pilots fly safely using instruments, especially in bad weather. This change supports better flight rules and makes flying smoother for everyone using the airport. No extra costs or delays—just clearer skies and safer landings starting now!