Are you a homeowner with low income needing to make home repairs? Or looking to buy a home? If so , representatives from the USDA Rural Development Office will be at the William N . Pennington Life Center on May 25 from 11 a . m . to 2 p . m . to discuss qualifying for programs to allow you to make home repairs or buy a home .
   Home Repair Loans and Grants
   The USDA Rural Development’s single family housing home repair loans and grants program provides 1% loans and $10 , 000 grants to make home repairs or remove health and safety hazards in rural homes for those who qualify based on income . Includes installation and/or repair of sanitary water and wastewater disposal systems as part of a permanent residence .
   Eligibility requirements include:
   Own a single - family dwelling located in a rural area that is in need of repair
   Meet the income limits based on family size for the area
   Personally occupy the dwelling
   Unable to obtain sufficient credit from another source
   Have adequate repayment ability
   Meet citizenship or eligible non - citizen requirements
   Have acceptable credit history
   Possess legal capacity to incur the loan
   Maximum loan amount is $40 , 000 with a 20 - year term for repayment . Top grant amount is $10 , 000 . Eligible applicants for grants must be 62 years of age and unable to repay a 20 - year loan at 1% to qualify .
   Home Purchase Program
   The USDA Rural Development Office provides homeowner opportunities to low - income rural families and individuals through financing with no down payment and at favorable rates and terms . Maximum loan amount for Churchill County is $336 , 500 with term of 33 years .
   Those who are interested in exploring either one of these programs may call the Rural Development Office in Carson City at ( 775 ) 887 - 1222 or stop by the Life Center on May 25 between 11 a . m . and 2 p . m . to discuss eligibility and options with Rural Development Office staff who will be on - site .
   

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