Funding and Grants

USDA Single Family Housing Direct Loan (Section 502 Direct)

USDA Single Family Housing Direct Loan (Section 502 Direct) is a federal funding program available in Scotts Bluff County, Nebraska. Direct, payment-assisted mortgages helping low- and very-low-income households buy, build, or repair a modest home in a rural area.

LevelFederal
AdministratorUSDA Rural Development (Scottsbluff area office)
Who can applyEligible Rural Areas of Scotts Bluff County (Confirm Address on the USDA Map)

Check which parcels qualify on the map See all funding programs

Who qualifies

The applicant household is low- or very-low-income (at or below the area limit for its size) and lacks affordable credit elsewhere.
The home is in a USDA-eligible rural area and will be the applicant's primary residence.

This program is available throughout Scotts Bluff County, Nebraska.

Funding terms

Direct USDA mortgage, often no down payment; up to 33-year term (38 years for the lowest incomes). Payment-assistance subsidy can reduce the effective rate to as low as about 1 percent. Figures are USDA-published and change by fiscal year.

What you need to apply

Income and Asset Documentation
Property Eligibility (USDA Map)
USDA Section 502 Application

The rule behind this program

Every eligibility statement on this page traces to first-party authority (corpus version 2026.06).

Program Guidance: USDA Rural Development, Single Family Housing Direct Home Loans

Need help applying? Build Scotts Bluff offers lending coordination for Scotts Bluff County, Nebraska. See lending coordination services.

Advisory only. Eligibility is a deterministic read of public program rules as of the cited corpus version and is not legal advice or a guarantee of funding; every determination must be reviewed against the live program and counsel.