Farm Ownership Loans

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Farm Ownership Loans


With FSA's Direct Farm Ownership Loans, "we keep America's farming growing."


Farm Ownership Loans use up to 100 percent financing and are an important resource to help farmers and ranchers purchase or enlarge family farms, enhance and broaden present operations, increase farming performance, and assist with land tenure to conserve farmland for future generations. With an optimum loan quantity of $600,000 ($ 300,150 for Beginning Farmer Down Payment), all FSA Direct Farm Ownership Loans are funded and serviced by the Agency through regional Farm Loan Officers and Farm Loan Managers. The financing originates from Congressional appropriations as part of the USDA budget plan.


Fact Sheet: Farm Loans Overview (PDF, 807 KB).

Direct Loan Making Handbook 3-FLP (PDF, 2.5 MB).

National Agrability Project.

Farm Answers Library.

Farmers.gov.


Frequently Asked Questions


FSA's Direct Farm Ownership loans are used to:


- purchase a farm or cattle ranch.

- enlarge an existing farm or cattle ranch.

- make a down payment on a farm.

- purchase of easements.

- construct, purchase or enhance farm dwellings, service buildings or other facilities and enhancements important to the farm operation.

- promote soil and water conservation and protection.

- pay loan closing expenses.


There are 3 types of Direct Farm Ownership Loans: "routine," joint financing, and deposit depending upon specific requirements. FSA also offers a Direct Farm Ownership Microloan for smaller sized financial needs.


Direct Farm Ownership Joint Financing Loan


Also called a participation loan, joint funding allows FSA to provide more farmers and ranchers with access to capital.
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