Direct Housing-Natural Disaster Loans and Grants

What is the aim of the Direct Housing-Natural Disaster Loans and Grants?

The Direct Housing-Natural Disaster Loans and Grants aims to assist qualified recipients to meet emergency assistance needs resulting from natural disaster. Grants are only available to the extent that funds are not provided by the Federal Emergency Management Agency (FEMA). For the purpose of administering these funds, natural disaster will only include those counties identified by a Presidential declaration.

Who are Eligible to Apply for the Direct Housing-Natural Disaster Loans and Grants?

Applicants for the Direct Housing-Natural Disaster Loans and Grants must own and occupy the home in a rural area. Loan recipients must have sufficient income to repay the loan. Grant recipients must be 62 years of age or older and be unable to repay a loan for that part of the assistance received as a grant. The applicant’s income for a loan may not exceed the very low-income limit which can be obtained in any Rural Development (RD) field office.

How to Apply for the Direct Housing-Natural Disaster Loans and Grants?

Applicants must establish that physical damage was caused by natural disaster. For Section 504 loans/grants, there must be evidence of ownership and verification of income and debts. For grant recipients, evidence of age is required. The applicant must be unable to get credit elsewhere and demonstrate repayment for the loan.

Where to Apply for the Direct Housing-Natural Disaster Loans and Grants?

Applicants must file Form RD 410-4 at the Rural Development field office serving the county where the dwelling is located.

For more information on the Direct Housing-Natural Disaster Loans and Grants, contact:

Director,
Single Family Housing Direct Loan Division, Rural Housing Programs, Department of Agriculture, 1400 Independence Avenue, S.W., Washington, District of Columbia 20250
Phone: (202) 720-1474
Web Site Address: http://www.rurdev.usda.gov

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