ELIGIBLE PROPERTIES

GEOGRAPHIC RESTRICTIONS

The property must be located in a designated rural area as designated by the RHS office. To determine eligibility, go to http://eligibility.sc.egov.usda.gov. From the home page, click „Single Family Housing” under “Property Eligibility”. Enter the property address to get an instant determination or to view a map.

ELIGIBLE PROPERTIES

Single family detached non-farm residences.

The property must be located in a rural area, as designated by the local RHS office.

The value of the site should not exceed 30% of the total value of the property.

The property must be contiguous to and have access to a paved or all-weather surface street, road or driveway.

The property must have dependable water and waste disposal systems that are approved by local authorities. A septic inspection will be required. Also, properties with cisterns and wells will require a county water test by the local authorities.

For state specific requirements and complete details see Rural Housing web site:

 

http://kentuckyusdaloan.com/2011/12/09/kentucky-usda-mortgage/

Leaseholds are permitted if long-term leasing of home sites is a well established local practice, and such leaseholds are freely marketable in the area.

 

INELIGIBLE PROPERTIES

 

No Manufactured Homes

No in-ground swimming pools are permitted

 

Properties located in a flood or mudslide zone are ineligible.

 

Properties that are located in an area NOT designated as rural by RHS are ineligible. See for eligibility:

 

http://eligibility.sc.egov.usda.gov.

 

2-4 Unit properties

Condos & PUDs

Working farms & income producing properties or properties with farm-related outbuild

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