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Farm Service Agency

U.S. DEPARTMENT OF AGRICULTURE

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# Minority and Women Farmers and Ranchers

- Section Topics
- Farm Loan Programs Home
- Beginning Farmers and Ranchers Loans
- Emergency Farm Loans
- Farm Loan Servicing
- Farm Operating Loans
- Farm Ownership Loans
- Funding
- Guaranteed Farm Loans    - Guaranteed Loans Lender Toolkit
- Microloans
- Minority and Women Farmers and Ranchers
- Native American Loans
- Program Data
- Youth Loans

While FSA is committed to serving all farmers and ranchers, by statute, FSA targets a portion of all Guaranteed loan funds, Direct Operating and Direct Farm Ownership loan funds, Microloan funding, and Youth loans, to historically underserved farmers and ranchers, which include:
                            - Women
                            - African-Americans
                            - Alaskan Natives
                            - American Indians
                            - Hispanics
                            - Asians
                            - Native Hawaiians and Pacific Islanders.

## Resources

                                - Fact Sheet: Loans for Socially Disadvantaged Farmers and Ranchers  (PDF, 547 KB)
                                - Direct Loan Making Handbook 3-FLP  (PDF, 2.5 MB)
                                - Annie's Project
                                - Alaska Native Knowledge Network
                                - Intertribal Agriculture Council
                                - Latino Economic Development Center
                                - Minority Landowner Magazine
                                - National Hmong American Farmers
                                - National Women in Agriculture Association
                                - Farmers.gov

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## Loan Types

                                - Direct Operating Loan
                                - Direct Farm Ownership Loan
                                - Microloan

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**Loan Types**

Loans to historically underserved and women farmers and ranchers are not a special type of loan program or loan type. Rather, this designation refers to a specific funding source known as Socially Disadvantaged Applicant (SDA) funding. To be considered for targeted funding, loan applicants must voluntarily provide race, ethnicity, and gender information.

You do not have to choose between identifying as an historically underserved individual or a beginning farmer, nor is there a "benefit" of deciding between one designation over the other. Identifying yourself as an historically underserved beginning farmer loan applicant is completely acceptable.

**Loan Application Process**

To be considered for targeted "SDA" loan funding, loan applicants must voluntarily provide his or her ethnicity, race and/or gender on the loan application. Otherwise, the Agency's loan process and loan requirements are identical for all loan applicants. There is no difference between historically underserved and women applicants and those who do not fall under this funding allocation other than the availability of targeted funding.

**Down Payment Loan**

The Direct Farm Ownership Down Payment loan is the only loan program specifically for historically underserved and women farmers and beginning farmers. Down Payment loan funds may be used only to partially finance the purchase of a family farm. Loan applicants must contribute a minimum downpayment of 5 percent of the purchase price of the farm and the Agency will finance 45 percent to a maximum loan amount of $300,000. The balance of the purchase price not covered by the down payment loan and the loan applicant's down payment may be financed by a commercial lender (pdf, 563KB), private lender, a cooperative, or the seller.

**Additional Information**

We encourage you to contact your local office or USDA Service Center to learn more about our programs. You should also be able to locate a listing in the telephone directory in the section set aside for governmental/public organizations under the U.S. Department of Agriculture, Farm Service Agency. Our local FSA office staffs are happy to help you and discuss our loan programs with you in more detail.

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Farm Service Agency

U.S. DEPARTMENT OF AGRICULTURE

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