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**Rural Development -- Housing and Community Facilities Programs**

+-------+--------+----------+----------+-------+------+--------------+
| Pr    | Obj    | A        | Uses     | Popul | Lo   | Term         |
| ogram | ective | pplicant |          | ation | an/G | s/Conditions |
|       |        |          |          |       | rant |              |
+-------+--------+----------+----------+-------+------+--------------+
| S     | Safe,  | Families | Buy,     | Rural | Di   | Up to 100    |
| ingle | well-  | and      | build,   | areas | rect | percent of   |
| F     | built, | indi     | improve, | with  | l    | market value |
| amily | affo   | viduals. | repair   | p     | oan. | or cost,     |
| Home  | rdable |          | or       | opula |      | whichever is |
| Owne  | homes  | Apply to | reha     | tions |      | less. Loan   |
| rship | for    | Rural    | bilitate | of    |      | amortized    |
| D     | rural  | Deve     | rural    | 2     |      | for 33/38    |
| irect | Amer   | lopment. | home as  | 0,000 |      | years.       |
| Loans | icans. |          | the      | or    |      | Applicant    |
|       |        |          | app      | less. |      | may be       |
|       |        |          | licant's |       |      | eligible for |
|       |        |          | p        |       |      | payment      |
|       |        |          | ermanent |       |      | assistance   |
|       |        |          | re       |       |      | (subsidy) on |
|       |        |          | sidence. |       |      | the loan.    |
+-------+--------+----------+----------+-------+------+--------------+
| S     | To     | Families | Repair   | Rural | Di   | Loan terms   |
| ingle | help   | and      | /replace | areas | rect | to 20 years  |
| F     | ver    | ind      | roof,    | with  | loan | at 1         |
| amily | y-low- | ividuals | wint     | p     | and  | percent.     |
| Home  | income |          | erizing, | opula | gr   | Assistance   |
| Owne  | appl   | who      | purchase | tions | ant. | to           |
| rship | icants | c        | or       | of    |      | individual   |
| D     | remove | urrently | repair   | 2     |      | may not      |
| irect | health | own      | of       | 0,000 |      | exceed       |
| R     | and    | their    | heating  | or    |      | \$20,000.    |
| epair | safety | home.    | system,  | less. |      | Grants only  |
| Loans | h      | Apply to | st       |       |      | available to |
| and   | azards | Rural    | ructural |       |      | ver          |
| G     | or     | Deve     | repair,  |       |      | y-low-income |
| rants | repair | lopment. | wate     |       |      | applicants   |
|       | their  |          | r/sewage |       |      | 62 years or  |
|       | homes. |          | connect  |       |      | older who    |
|       |        |          | fees,    |       |      | cannot       |
|       |        |          | and      |       |      | afford to    |
|       |        |          | similar  |       |      | pay 1        |
|       |        |          | uses.    |       |      | percent      |
|       |        |          |          |       |      | loan.        |
+-------+--------+----------+----------+-------+------+--------------+
| S     | Assist | Families | Purchase | Rural | Loan | 30 year,     |
| ingle | el     | and      | new or   | areas | gu   | fixed rate.  |
| F     | igible | indi     | existing | with  | aran | Interest     |
| amily | appl   | viduals. | home.    | p     | tee. | rate         |
| Home  | icants |          |          | opula |      | negotiated   |
|       | in     | Apply to |          | tions |      | between      |
| Owne  | buying | lender.  |          | of    |      | lender and   |
| rship | their  |          |          | 2     |      | borrower.    |
| Guara | homes  |          |          | 0,000 |      | Loans to 100 |
| nteed | by     |          |          | or    |      | percent of   |
| Loans | guaran |          |          | less. |      | market       |
|       | teeing |          |          |       |      | value.       |
|       | loans  |          |          |       |      |              |
|       | made   |          |          |       |      |              |
|       | by     |          |          |       |      |              |
|       | p      |          |          |       |      |              |
|       | rivate |          |          |       |      |              |
|       | le     |          |          |       |      |              |
|       | nders. |          |          |       |      |              |
+-------+--------+----------+----------+-------+------+--------------+
| M     | Indi   | Families | Cons     | Rural | Di   | Individual   |
| utual | vidual | and      | truction | areas | rect | families     |
| Self  | homes  | indi     | of a new | with  | l    | receive a    |
| -Help | built  | viduals. | home, in |       | oan. | direct loan  |
| Home  | by     |          | part by  | p     |      | from Rural   |
| Owne  |        | Apply to | the      | opula |      | Development. |
| rship | a      | Rural    | a        | tions |      | P            |
|       | group  | Deve     | pplicant | of    |      | articipating |
| Loans | of     | lopment. | under    | 2     |      | non-profit   |
|       | appli  | Loan     | supe     | 0,000 |      | housing      |
|       | cants, | appl     | rvision. | or    |      | organization |
|       | with   | ications |          | less. |      | gets a grant |
|       |        | are      |          |       |      | to hire a    |
|       | constr | p        |          |       |      | supervisor   |
|       | uction | rocessed |          |       |      | and pay      |
|       | gu     |          |          |       |      | other        |
|       | idance | on an    |          |       |      | ad           |
|       | of a   | in       |          |       |      | ministrative |
|       | non-   | dividual |          |       |      | expenses.    |
|       | profit | basis    |          |       |      |              |
|       | o      | for each |          |       |      |              |
|       | rganiz | parti    |          |       |      |              |
|       | ation. | cipating |          |       |      |              |
|       |        | family.  |          |       |      |              |
+-------+--------+----------+----------+-------+------+--------------+
| M     | Assist | Non      | T        | Rural | Gr   | Grant        |
| utual | lower  | -profits | echnical | areas | ant. | agreement.   |
| Self  | income | and      | as       | with  |      |              |
| -Help | fa     | public   | sistance | p     |      |              |
| Ho    | milies | bodies.  | to       | opula |      |              |
| using | in     |          | qualify  | tions |      |              |
| G     | bu     |          | and      | of    |      |              |
| rants | ilding |          | s        | 2     |      |              |
|       | their  |          | upervise | 0,000 |      |              |
|       | own    |          | small    | or    |      |              |
|       | homes. |          | groups   | less. |      |              |
|       |        |          | of       |       |      |              |
|       |        |          | families |       |      |              |
|       |        |          | to build |       |      |              |
|       |        |          | each     |       |      |              |
|       |        |          | other's  |       |      |              |
|       |        |          | homes.   |       |      |              |
+-------+--------+----------+----------+-------+------+--------------+
| R     | Safe,  | Indi     | New      | Rural | Di   | Up to 90     |
| ental | well-  | viduals, | cons     | areas | rect | percent of   |
| Ho    | built, | limited  | truction | with  | loan | total        |
| using | affo   | profit   | or       | p     | or   | development  |
| for   | rdable | and      | sub      | opula |      | cost         |
| Fam   | rental | no       | stantial | tions | loan | (n           |
| ilies | h      | n-profit | rehabi   | of    | gu   | on-profits); |
| and   | ousing | organi   | litation | 2     | aran | 97 percent   |
| El    | for    | zations. | of       | 0,000 | tee. | (f           |
| derly | ver    | For      | rental   | or    |      | or-profits). |
|       | y-low- | gua      | housing. | less. |      | 30-year term |
| D     | income | rantees, |          |       |      | with up to   |
| irect | indiv  | apply to |          |       |      | 50 year      |
| Loans | iduals | inte     |          |       |      | a            |
| and   | and    | rmediary |          |       |      | mortization. |
| Loan  | fam    | lender;  |          |       |      | For          |
| Guara | ilies. | for      |          |       |      | for-profit   |
| ntees |        | direct   |          |       |      | o            |
|       |        | loans,   |          |       |      | rganizations |
|       |        | apply to |          |       |      | with         |
|       |        | Rural    |          |       |      | Low-Income   |
|       |        | Deve     |          |       |      | Housing Tax  |
|       |        | lopment. |          |       |      | Credits, 95  |
|       |        |          |          |       |      | percent of   |
|       |        |          |          |       |      | total        |
|       |        |          |          |       |      | development  |
|       |        |          |          |       |      | costs.       |
+-------+--------+----------+----------+-------+------+--------------+
| Ho    | Repair | Public   | O        | Rural | Gr   | Grant        |
| using | and    | bodies   | peration | areas | ant. | agreement.   |
| Pr    | rehabi | and      | of a     | with  |      |              |
| eserv | litate | no       | program  | p     |      |              |
| ation | h      | n-profit | which    | opula |      |              |
| G     | ousing | organi   | finances | tions |      |              |
| rants | owned  | zations. | repair   | of    |      |              |
|       | or     | Apply to | and      | 2     |      |              |
|       | oc     | Rural    | rehabi   | 0,000 |      |              |
|       | cupied | Deve     | litation | or    |      |              |
|       | by     | lopment. | ac       | less. |      |              |
|       | ver    |          | tivities |       |      |              |
|       | y-low- |          | for      |       |      |              |
|       | and    |          | single   |       |      |              |
|       | low-   |          | family   |       |      |              |
|       | income |          | and      |       |      |              |
|       | rural  |          | small    |       |      |              |
|       | fam    |          | rental   |       |      |              |
|       | ilies. |          | pro      |       |      |              |
|       |        |          | perties. |       |      |              |
+-------+--------+----------+----------+-------+------+--------------+
| Comm  | P      | Public   | Build    | Rural | Di   | Up to 100    |
| unity | rovide | bodies,  | fa       | areas | rect | percent of   |
| Facil | ess    | no       | cilities | with  | loan | market       |
| ities | ential | n-profit | and      | p     | or   | value. Up to |
| Pro   | com    | organi   | purchase | opula |      | 40 years or  |
| grams | munity | zations, | e        | tions | loan | life of      |
|       | faci   | and      | quipment | of    | gu   | security.    |
| **(F  | lities | Indian   | for fire | 2     | aran | Maximum      |
| aith- | for    | tribes.  | and      | 0,000 | tee, | grant 75     |
| Based | rural  | Apply to | rescue,  | or    | gr   | percent of   |
| and   | commun | Rural    | tel      | less. | ant. | project      |
| First | ities. | Deve     | ecommuni |       |      | cost.        |
| Re    |        | lopment. | cations, |       |      |              |
| spond |        |          | schools, |       |      |              |
| er)** |        |          | li       |       |      |              |
|       |        |          | braries, |       |      |              |
|       |        |          | ho       |       |      |              |
|       |        |          | spitals, |       |      |              |
|       |        |          | etc.     |       |      |              |
+-------+--------+----------+----------+-------+------+--------------+
| Farm  | Safe,  | Indi     | New      | N/A   | Di   | Up to 102    |
| Labor | well   | viduals, | cons     |       | rect | percent of   |
| Ho    | -built | public   | truction |       | loan | total        |
| using | affo   | and      | or       |       | and  | development  |
|       | rdable | private  | sub      |       | gr   | cost.        |
|       | rental | no       | stantial |       | ant. |              |
|       | h      | n-profit | rehabi   |       |      | Up to 33     |
|       | ousing | organi   | litation |       |      | years to     |
|       | for    | zations. | of       |       |      | repay at 1   |
|       | farm   | Apply to | rental   |       |      | percent      |
|       | wo     | Rural    | housing. |       |      | interest.    |
|       | rkers. | Deve     |          |       |      |              |
|       |        | lopment. |          |       |      |              |
+-------+--------+----------+----------+-------+------+--------------+
| *D    |        |          |          |       |      |              |
| irect |        |          |          |       |      |              |
| Loans |        |          |          |       |      |              |
| and   |        |          |          |       |      |              |
| Gra   |        |          |          |       |      |              |
| nts - |        |          |          |       |      |              |
| Apply |        |          |          |       |      |              |
| to    |        |          |          |       |      |              |
| Rural |        |          |          |       |      |              |
| De    |        |          |          |       |      |              |
| velop |        |          |          |       |      |              |
| ment. |        |          |          |       |      |              |
| Loan  |        |          |          |       |      |              |
| Gu    |        |          |          |       |      |              |
| arant |        |          |          |       |      |              |
| ees - |        |          |          |       |      |              |
| Apply |        |          |          |       |      |              |
| to    |        |          |          |       |      |              |
| in    |        |          |          |       |      |              |
| terme |        |          |          |       |      |              |
| diary |        |          |          |       |      |              |
| (app  |        |          |          |       |      |              |
| roved |        |          |          |       |      |              |
| b     |        |          |          |       |      |              |
| anks, |        |          |          |       |      |              |
| mor   |        |          |          |       |      |              |
| tgage |        |          |          |       |      |              |
| c     |        |          |          |       |      |              |
| ompan |        |          |          |       |      |              |
| ies)* |        |          |          |       |      |              |
+-------+--------+----------+----------+-------+------+--------------+

**Rural Development -- Business and Cooperative Programs**

+-------+--------+----------+----------+-------+-------+-------------+
| Pr    | Obj    | A        | Uses     | Popul | Loan/ | Terms       |
| ogram | ective | pplicant |          | ation | Grant | /Conditions |
+-------+--------+----------+----------+-------+-------+-------------+
| Bus   | Create | Bus      | Most     | All   | Loan  | Lender and  |
| iness | jobs   | inesses. | legal    | areas | guara | borrower    |
| and   | and    | Apply    | business | e     | ntee. | negotiate   |
| Ind   | sti    | through  | purposes | xcept |       | terms.      |
| ustry | mulate | Federal  | except   | c     |       | Interest    |
| Guar  | rural  | or State | pr       | ities |       | rate tied   |
| antee | eco    | c        | oduction | of    |       | to          |
| Loans | nomies | hartered | agri     | more  |       | published   |
|       | by     | banks,   | culture. | than  |       | rate that   |
|       | pro    | credit   | Include  | 5     |       | may change  |
|       | viding | unions,  | acqu     | 0,000 |       | no more     |
|       | fin    | savings  | isition, | and   |       | often than  |
|       | ancial | & loan   | start-up | their |       | quarterly.  |
|       | b      | assoc    | and      | conti |       |             |
|       | acking | iations. | e        | guous |       |             |
|       | for    |          | xpansion | and   |       |             |
|       | rural  |          | of       | adj   |       |             |
|       | busin  |          | bu       | acent |       |             |
|       | esses. |          | sinesses | urba  |       |             |
|       |        |          | that     | nized |       |             |
|       |        |          | create   | a     |       |             |
|       |        |          | rural    | reas. |       |             |
|       |        |          | emp      |       |       |             |
|       |        |          | loyment. |       |       |             |
+-------+--------+----------+----------+-------+-------+-------------+
| Rural | F      | Public   | Buy and  | All   | G     | When grant  |
| Bus   | inance | bodies,  | develop  | areas | rant. | funds are   |
| iness | and    | private  | land,    | e     |       | used for    |
| Enter | faci   | no       | e        | xcept |       | revolving   |
| prise | litate | n-profit | stablish | c     |       | loan fund   |
| G     | the    | corpo    | a        | ities |       | (RLF), the  |
| rants | devel  | rations, | r        | of    |       | i           |
|       | opment | and      | evolving | more  |       | ntermediary |
|       | of     | f        | loan     | than  |       | makes loans |
|       | small  | ederally | fund,    | 5     |       | to          |
|       | and    | re       | c        | 0,000 |       | businesses  |
|       | em     | cognized | onstruct | and   |       | from its    |
|       | erging | Native   | bu       | their |       | RLF on      |
|       | p      | American | ildings, | conti |       | terms       |
|       | rivate | tribal   | plants,  | guous |       | consistent  |
|       | bu     | groups.  | eq       | and   |       | with        |
|       | siness | Apply to | uipment, | adj   |       | security    |
|       | enterp | Rural    | access   | acent |       | offered.    |
|       | rises. | Deve     | streets  | urba  |       |             |
|       |        | lopment. | and      | nized |       |             |
|       |        |          | roads,   | a     |       |             |
|       |        |          | parking  | reas. |       |             |
|       |        |          | areas,   |       |       |             |
|       |        |          | utility  |       |       |             |
|       |        |          | and      |       |       |             |
|       |        |          | service  |       |       |             |
|       |        |          | ext      |       |       |             |
|       |        |          | ensions, |       |       |             |
|       |        |          | and      |       |       |             |
|       |        |          | rural    |       |       |             |
|       |        |          | distance |       |       |             |
|       |        |          | learning |       |       |             |
|       |        |          | n        |       |       |             |
|       |        |          | etworks. |       |       |             |
+-------+--------+----------+----------+-------+-------+-------------+
| In    | F      | Public   | C        | Rural | D     | The         |
| terme | inance | bodies,  | ommunity | areas | irect | i           |
| diary | bu     | no       | dev      | and   | loan. | ntermediary |
| Rele  | siness | n-profit | elopment | in    |       | makes loans |
| nding | faci   | corpo    | p        | corpo |       | to          |
| Pr    | lities | rations, | rojects, | rated |       | businesses  |
| ogram | and    | Native   | estab    | p     |       | from its    |
| Loans | com    | American | lishment | laces |       | revolving   |
|       | munity | tribes,  | or       | with  |       | loan fund   |
|       | devel  | and      | e        | p     |       | on terms    |
|       | opment | coope    | xpansion | opula |       | consistent  |
|       | pr     | ratives. | of       | tions |       | with        |
|       | ojects | Apply to | bus      | of    |       | security    |
|       | in     | Rural    | inesses, | less  |       | offered.    |
|       | rural  | Deve     | creation | than  |       | I           |
|       | areas. | lopment. | or       | 25    |       | ntermediary |
|       |        |          | saving   | ,000. |       | pays 1      |
|       |        |          | of rural |       |       | percent for |
|       |        |          | jobs.    |       |       | 30 years.   |
+-------+--------+----------+----------+-------+-------+-------------+
| Rural | F      | Rural    | Business | Rural | D     | The         |
| Eco   | inance | U        | startups | areas | irect | i           |
| nomic | ec     | tilities | or       | and   | loan  | ntermediary |
| D     | onomic | Service- | e        | p     | and   | (electric   |
| evelo | devel  | financed | xpansion | laces | revo  | or          |
| pment | opment | electric | projects | with  | lving | telephone   |
| Loans | and    | and      | that     | p     | loan  | utility)    |
| and   | job    | t        | create   | opula | fund  | makes loans |
| G     | cr     | elephone | rural    | tions | g     | to profit   |
| rants | eation | ut       | jobs.    | of    | rant. | or          |
|       | in     | ilities. |          | 2,500 |       | non-profit  |
|       | rural  | Apply to |          | or    |       | business    |
|       | areas. | Rural    |          | less. |       | and public  |
|       |        | Deve     |          |       |       | bodies for  |
|       |        | lopment. |          |       |       | rural       |
|       |        |          |          |       |       | economic    |
|       |        |          |          |       |       | development |
|       |        |          |          |       |       | and/or job  |
|       |        |          |          |       |       | creation    |
|       |        |          |          |       |       | projects.   |
|       |        |          |          |       |       | Loans are 0 |
|       |        |          |          |       |       | percent for |
|       |        |          |          |       |       | 10 years.   |
+-------+--------+----------+----------+-------+-------+-------------+
| Rural | Est    | No       | E        | All   | G     | Applicants  |
| C     | ablish | n-profit | stablish | a     | rant. | must meet   |
| ooper | and    | corp     | o        | reas. |       | specific    |
| ative | o      | orations | perating |       |       | selection   |
| D     | perate | and      | centers  |       |       | criteria    |
| evelo | c      | inst     | for      |       |       | including a |
| pment | enters | itutions |          |       |       | minimum 25  |
| G     | for    | of       | dev      |       |       | percent     |
| rants | coope  | higher   | elopment |       |       | fund match. |
|       | rative | ed       | of rural |       |       | Grants are  |
|       | devel  | ucation. |          |       |       | awarded on  |
|       | opment | Apply    | coope    |       |       | a           |
|       | to     | directly | ratives. |       |       | competitive |
|       | i      | to Rural |          |       |       | basis. Some |
|       | mprove | Dev      |          |       |       | funds are   |
|       | the    | elopment |          |       |       | reserved    |
|       | ec     | National |          |       |       | for         |
|       | onomic | Office.  |          |       |       | applicants  |
|       | con    |          |          |       |       | that focus  |
|       | dition |          |          |       |       | on          |
|       | of     |          |          |       |       | assistance  |
|       | rural  |          |          |       |       | to small,   |
|       | areas  |          |          |       |       | minority    |
|       | t      |          |          |       |       | producers   |
|       | hrough |          |          |       |       | through     |
|       | the    |          |          |       |       | their       |
|       | devel  |          |          |       |       | cooperative |
|       | opment |          |          |       |       | businesses  |
|       | of new |          |          |       |       | (governing  |
|       | cooper |          |          |       |       | board or    |
|       | atives |          |          |       |       | membership  |
|       | and    |          |          |       |       | at least 75 |
|       | imp    |          |          |       |       | percent     |
|       | roving |          |          |       |       | minority).  |
|       | oper   |          |          |       |       |             |
|       | ations |          |          |       |       |             |
|       | of     |          |          |       |       |             |
|       | ex     |          |          |       |       |             |
|       | isting |          |          |       |       |             |
|       | c      |          |          |       |       |             |
|       | oopera |          |          |       |       |             |
|       | tives. |          |          |       |       |             |
+-------+--------+----------+----------+-------+-------+-------------+
| V     | Assist | Ind      | Planning | All   | G     | Applicants  |
| alue- | indep  | ependent | purposes | a     | rant. | must meet   |
| Added | endent | pr       | such as  | reas. |       | specific    |
| Ag    |        | oducers, | co       |       |       | selection   |
| ricul | agricu | farmer   | nducting |       |       |             |
| tural | ltural |          | fea      |       |       | criteria.   |
| Pr    | pro    | and      | sibility |       |       | Grants are  |
| oduct | ducers | rancher  | studies  |       |       | awarded on  |
| M     | to     | coope    | or       |       |       | a           |
| arket |        | ratives, |          |       |       |             |
| D     | enter  |          | business |       |       | competitive |
| evelo | into   | agri     | plans;   |       |       | basis.      |
| pment | acti   | cultural | or       |       |       | Funds       |
| Grant | vities | producer |          |       |       | cannot be   |
| Pr    | that   | groups,  | as       |       |       | used        |
| ogram | add    |          | working  |       |       |             |
|       | value  | and      | capital  |       |       | to build    |
|       | to     | maj      | to help  |       |       | facilities  |
|       | their  | ority-co | start    |       |       | or purchase |
|       | crops. | ntrolled |          |       |       | equipment.  |
|       |        |          | the      |       |       |             |
|       |        | produc   | op       |       |       | Funds must  |
|       |        | er-based | erations |       |       | be matched  |
|       |        | business | of a     |       |       | on a        |
|       |        |          | venture. |       |       | dollar-for- |
|       |        | v        |          |       |       | dollar      |
|       |        | entures. |          |       |       | basis.      |
|       |        | Apply to |          |       |       |             |
|       |        | Rural    |          |       |       |             |
|       |        |          |          |       |       |             |
|       |        | Dev      |          |       |       |             |
|       |        | elopment |          |       |       |             |
|       |        | State    |          |       |       |             |
|       |        | Office.  |          |       |       |             |
+-------+--------+----------+----------+-------+-------+-------------+
| Rural | F      | Public   | T        | All   | G     | Must be     |
| Bus   | inance | bodies,  | echnical | areas | rant. | completed   |
| iness | tec    | no       | ass      | e     |       | within 2    |
| O     | hnical | n-profit | istance, | xcept |       | years after |
| pport |        |          | le       | c     |       |             |
| unity | assi   | corpo    | adership | ities |       | project has |
| Grant | stance | rations, |          |       |       | begun.      |
|       | for    | Indian   | t        | of    |       |             |
|       | bu     | tribes   | raining, | more  |       |             |
|       | siness | on       | estab    | than  |       |             |
|       |        |          | lishment | 5     |       |             |
|       | devel  | Federal  | of       | 0,000 |       |             |
|       | opment | or State | business |       |       |             |
|       | pl     | reser    |          | and   |       |             |
|       | anning | vations, | support  | their |       |             |
|       | in     |          | centers, | conti |       |             |
|       |        | and      | economic | guous |       |             |
|       | rural  | coop     |          |       |       |             |
|       | areas. | eratives | dev      | and   |       |             |
|       |        | with     | elopment | adj   |       |             |
|       |        |          | plans.   | acent |       |             |
|       |        | members  |          | urba  |       |             |
|       |        | that are |          | nized |       |             |
|       |        | p        |          |       |       |             |
|       |        | rimarily |          | a     |       |             |
|       |        |          |          | reas. |       |             |
|       |        | rural    |          |       |       |             |
|       |        | re       |          |       |       |             |
|       |        | sidents. |          |       |       |             |
+-------+--------+----------+----------+-------+-------+-------------+
| Rene  | F      | Agri     | Cons     | All   | G     | Applicants  |
| wable | inance | cultural | truction | areas | rant. | must meet   |
| E     | the    | p        | or       | e     |       | specific    |
| nergy | pu     | roducers | impro    | xcept |       | selection   |
| Sy    | rchase | and      | vements, | c     |       |             |
| stems | of     | rural    | purchase | ities |       | criteria.   |
| and   | ren    | small    | and      | of    |       | Grants are  |
| E     | ewable | bus      | inst     | more  |       | awarded on  |
| nergy | energy | inesses. | allation | than  |       | a           |
| Effic | sy     |          | of       | 5     |       |             |
| iency | stems, |          | eq       | 0,000 |       | competitive |
| Im    | and    |          | uipment, | and   |       | basis.      |
| prove | make   |          | energy   | their |       | Grant       |
| ments | energy |          | audits,  | conti |       | cannot      |
| Grant | i      |          | permit   | guous |       | exceed 25   |
|       | mprove |          | fees,    | and   |       | percent of  |
| Pr    | ments. |          | prof     | adj   |       | eligible    |
| ogram |        |          | essional | acent |       | project     |
|       |        |          | service  | urba  |       | costs.      |
|       |        |          | fees,    | nized |       |             |
|       |        |          | business | a     |       |             |
|       |        |          | plans,   | reas. |       |             |
|       |        |          | fea      |       |       |             |
|       |        |          | sibility |       |       |             |
|       |        |          | studies. |       |       |             |
+-------+--------+----------+----------+-------+-------+-------------+
| *D    |        |          |          |       |       |             |
| irect |        |          |          |       |       |             |
| Loans |        |          |          |       |       |             |
| and   |        |          |          |       |       |             |
| Gra   |        |          |          |       |       |             |
| nts - |        |          |          |       |       |             |
| Apply |        |          |          |       |       |             |
| to    |        |          |          |       |       |             |
| Rural |        |          |          |       |       |             |
| De    |        |          |          |       |       |             |
| velop |        |          |          |       |       |             |
| ment. |        |          |          |       |       |             |
| Loan  |        |          |          |       |       |             |
| Gu    |        |          |          |       |       |             |
| arant |        |          |          |       |       |             |
| ees - |        |          |          |       |       |             |
| Apply |        |          |          |       |       |             |
| to    |        |          |          |       |       |             |
| in    |        |          |          |       |       |             |
| terme |        |          |          |       |       |             |
| diary |        |          |          |       |       |             |
| (eli  |        |          |          |       |       |             |
| gible |        |          |          |       |       |             |
| b     |        |          |          |       |       |             |
| anks, |        |          |          |       |       |             |
| e     |        |          |          |       |       |             |
| tc).* |        |          |          |       |       |             |
+-------+--------+----------+----------+-------+-------+-------------+

**Rural Development -- Utilities Programs**

  ------------------- -------------------- ---------------- -------------------- -------------- ------------- ------------------
  Program             Objective            Applicant        Uses                 Population     Loan/Grant    Terms/Conditions

  Water and Waste     Provide              Public entities, Build, repair, and   Rural areas,   Direct loan   Interest rates are
  Disposal Loans and  infrastructure for   Indian tribes,   improve public water cities, and    and grant.    set quarterly
  Grants              rural areas.         and non-profit   systems, and waste   towns with up                based on an index
                                           corporations.    collection and       to 10,000                    of current market
                                           Apply to Rural   treatment systems.   population.                  yields for
                                           Development.     Also other related                                municipal
                                                            costs.                                            obligations.
                                                                                                              Repayment period
                                                                                                              is a maximum of 40
                                                                                                              years. Grant funds
                                                                                                              may be available.

  Water and Waste     Provide              Public entities, Construct, repair,   Rural areas,   Loan          Eligible lenders
  Disposal Loan       infrastructure for   Indian tribes,   modify, expand,      cities, and    guarantee.    obtain up to a 90
  Guarantees          rural areas.         and non-profit   improve water supply towns with up                percent guarantee
                                           corporations.    and distribution     to 10,000                    on loans they make
                                           Apply to Rural   systems, and waste   population.                  and service.
                                           Development.     collection and                                    Lenders should
                                                            treatment systems.                                contact Rural
                                                            Also other related                                Development Area
                                                            costs.                                            or State Office.

  Solid Waste         Provide technical    Non-profit       Provide technical    Rural areas,   Grant.        Projects are
  Management Grants   assistance and/or    organizations    assistance and       cities and                   funded based on
                      training to help     and public       training to reduce   towns with up                selection at the
                      communities reduce   bodies. Apply to pollution of water   to 10,000                    National level.
                      the solid waste      Rural            resources and        population.                  Applications are
                      stream.              Development.     improve management                                accepted from
                                                            of solid waste                                    October 1^st^ to
                                                            facilities; reduce                                December 31^st^ of
                                                            solid waste in                                    each year.
                                                            streams.                                          

  Rural Broadband     The deployment of    Legally          The construction,    Eligible rural Direct loans  Loans are made at
  Loan and Loan       broadband service to organized        acquisition, and     communities    and loan      the Treasury rate
  Guarantee           eligible rural       entities         improvement of       with a         guarantees.   of interest at the
                      communities.         providing or     broadband            population of                time of the
                                           proposing to     transmission         20,000                       advance for a
                                           provide          facilities and       inhabitants or               period equal to
                                           broadband        equipment; land and  less. The                    expected composite
                                           service in       buildings used in    community                    economic life of
                                           eligible rural   providing broadband  cannot be                    the assets
                                           communities.     service; and the     located in a                 financed. Loans
                                           Cannot serve     refinancing of       standard                     are guaranteed at
                                           more than 2% of  Telecommunications   metropolitan                 the interest rate
                                           the telephone    Program debt.        statistical                  set by the private
                                           subscriber lines                      area.                        lender for no more
                                           installed in the                                                   than 80% of the
                                           U.S.                                                               principal amount.

  Electric and        Provide financial    Non-profit and   Generation, bulk     Rural areas.   Direct loan   Interest rates are
  Telecommunication   aid through direct   cooperative      transmission                        or loan       established in
                      and guaranteed loans associations,    facilities, and                     guarantee.    accordance with
                      for electric and     public bodies,   distribution of                                   7CFR 17145.
                      telecommunications   and other        electric power.                                   
                      services.            utilities.       Enhance 911                                       
                                           Contact USDA-RUS emergency service,                                
                                           Administrator,   digital switching                                 
                                           STOP 1510, 1400  equipment, fiber                                  
                                           Independence     optic cable, along                                
                                           Ave. SW,         with traditional                                  
                                           Washington, DC   main system                                       
                                           20250-1510.      telecommunications                                
                                                            service.                                          

  Distance Learning   Development and      Incorporated     Equipment for        Rural areas.   Direct loan   Matching funds are
  and Telemedicine    deployment of        entities,        classrooms: cameras,                and/or grant. required.
                      advanced             including        video monitors,                                   
                      telecommunication    municipal        computers, and LAN.                               
                      services throughout  corporations, on Also for physician                                
                      rural America to     a for-profit or  consultation,                                     
                      improve education    not-for-profit   radiology, x-ray                                  
                      and health care.     basis, that      scanners, and                                     
                                           operate rural    digital microscopes.                              
                                           schools,                                                           
                                           libraries,                                                         
                                           health care                                                        
                                           clinics and                                                        
                                           other                                                              
                                           organizations                                                      
                                           that operate                                                       
                                           educational or                                                     
                                           health care                                                        
                                           facilities.                                                        

  *Direct Loans and                                                                                           
  Grants - Apply to                                                                                           
  Rural Development.                                                                                          
  Loan Guarantees -                                                                                           
  Apply to                                                                                                    
  intermediary                                                                                                
  (eligible banks,                                                                                            
  etc).*                                                                                                      
  ------------------- -------------------- ---------------- -------------------- -------------- ------------- ------------------

**Where We Are!**

**The Pennsylvania State Office, located in Harrisburg, PA, administers
USDA Rural Development programs through four Area offices and ten Local
offices across the state. All offices are open to the public Monday
through Friday from 8:00 a.m. until 4:30 p.m.**

**State Office Information**

**USDA Rural Development Telephone: (717) 237-2299**

**Pennsylvania State Office Fax: (717) 237-2191**

**One Credit Union Place, STE 330 TDD/Voice Number: 711 or (800)
654-5984**

**Harrisburg, PA 17110-2912**

**Area Office Information**

**Crawford Area Office [Robert C. Schoenfeldt, Area
Director](mailto:Robert.Schoenfeldt@pa.usda.gov) (814) 336-6155, ext.
114**

**14699 N. Main Street, Extension [April Cheney, Area
Assistant](mailto:april.cheney@pa.usda.gov) (814) 336-6155, ext. 115**

**Meadville, PA 16335-9441**

**Telephone: (814) 336-6155, ext. 4**

**Fax: (814) 337-0294**

**Serving Cameron, Centre, Clarion, Clearfield, Clinton, Crawford, Erie,
Elk, Forest, Jefferson, Lawrence, McKean, Mercer, Potter, Union,
Venango, and Warren Counties**

**Butler Area Office [Lambert M. Rosenbaum, Area
Director](mailto:lambert.rosenbaum@pa.usda.gov) (724) 482-4800, ext.
116**

**625 Evans City Rd, STE 101 [Kimberlie McClaine, Area
Technician](mailto:kimberlie.mcclaine@pa.usda.gov) (724) 482-2800, ext.
112**

**Butler, PA 16001-8704**

**Telephone: (724) 482-4800, ext. 4**

**Fax: (724) 482-9033**

**Serving Allegheny, Armstrong, Beaver, Bedford, Blair, Butler, Cambria,
Fayette, Greene, Indiana, Somerset, Washington, and Westmoreland
Counties**

**Lehigh Area Office [Jack Kauffman, Area
Director](mailto:jack.kauffman@pa.usda.gov) (610) 791-9810, ext. 123**

**2211 Mack Blvd. [Sharon Ferraro, RD
Technician](mailto:sharon.ferraro@pa.usda.gov) (610) 791-9810, ext.
122**

**Allentown, PA 18103-5623**

**Telephone: (610) 791-9810, ext. 4**

**Fax: (610) 791-9820**

**Serving Berks, Bucks, Bradford, Carbon, Columbia, Lackawanna, Lehigh,
Luzerne, Lycoming, Monroe, Montgomery, Montour, Northampton,
Northumberland, Pike, Schuylkill, Sullivan, Susquehanna, Tioga, Wayne,
and Wyoming Counties**

**York Area Office [George Klaus, Area
Director](mailto:george.klaus@pa.usda.gov) (717) 755-2966, ext. 125**

**124 Pleasant Acres Road [Janda Wright, Area
Technician](mailto:janda.wright@pa.usda.gov) (717) 755-2966, ext. 119**

**York, PA 17402-8988**

**Telephone: (717)755-2966, ext. 4**

**Fax: (717) 840-1302**

**Serving Adams, Chester, Cumberland, Dauphin, Delaware, Franklin,
Fulton, Huntingdon, Juniata, Lancaster, Lebanon, Mifflin, Perry,
Philadelphia, Snyder, and York Counties**