RHS Loan Programs

RHS Loan Programs:This is the USDA aka Rural Housing program and no down payment is possible for homes usually outside of Lafayette city limits but still in Lafayette Parish for some areas.  Please call for property eligibility.

The U.S. Department of Agriculture offers a variety of programs to help low to moderate-income individuals living in small towns or rural areas achieve homeownership. The Rural Housing Service (RHS) helps qualifying applicants, who cannot receive credit from other sources, purchase modestly priced homes as their primary residence.

RHS Loans are an attractive option because:

  • Minimal closing cost
  • Low or no down payment

RHS loans can be used toward the purchase and renovation of a previously owned home or a new construction. Families must be able to pay their monthly mortgage, homeowner's insurance and property taxes.

Find out if you qualify for an RHS Loan.

Find an RHS-approved lender. (LINK)