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Saturday, November 14, 2026 at 12:30 AM

USDA funding available to help rural low-income individuals and families buy or repair homes

07/10/2018 06:33 AM
USDA funding available to help rural low-income individuals and families buy or repair homes
Courtesy USDA Rural Development

USDA Rural Development State Director Phil Cowee has announced USDA has funding available for very low- and low-income individuals and families seeking to purchase or repair a home in a rural area.

“Summer is a good time for families to get moved. I encourage rural residents to call one of our offices in Carson City, Fallon, Elko, or Las Vegas and find out if they qualify for a USDA Rural Home Loan," Cowee said.

USDA’s Direct Home Loan Program offers financing to qualified very-low and low-income applicants that are unable to qualify for traditional financing. No down payment is required, and the interest rate could be as low as one percent with a subsidy. Applicants must meet income and credit guidelines and demonstrate repayment ability. The program is available in small rural communities.

Data shows that Rural Development’s home loan programs increase economic development and job creation in rural communities. For example, according to the National Association of Realtors, the sale of an existing median-priced home generates nearly $60,000 in local economic activity. This includes direct real estate industry supports, home furnishings, appliances and landscaping and other economic activity.

The maximum loan amount for repair is $20,000 at a one percent interest rate, repayable for a 20-year term and can be used to improve or modernize homes and do essential repairs. Grants of up to $7,500 are available to homeowners 62 and older and must be used to remove health or safety hazards, such as fixing a leaking roof, installing indoor plumbing, or replacing a furnace.

Time is limited to receive these funds. Qualified applicants have until the end of September 2018 to apply. Contact the Carson City Rural Housing Staff at USDA Rural Development at (775) 887-1222 Ext. 4754 today, to see if you qualify.

USDA Rural Development loans and grants provide assistance that supports infrastructure improvements; business development; housing; community services such as schools, public safety and health care; and high-speed internet access in rural areas. For more information, visit www.rd.usda.gov/nv.
Upload date: 07/10/2018 06:33 AM
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Comment author: John Mueller Comment text: FERNLEY’S WATER EMERGENCY: FIVE QUESTIONS STILL NEED ANSWERS The November 12 Fernley Reporter article provides a good recap of the November 3 water emergency and the November 4 City Council meeting. First, credit where credit is due. Our city employees responded, restored operations, and took precautions to protect residents. That’s important and appreciated. But fixing the immediate problem isn’t the same as preventing it from happening again. There are five reasonable questions our community deserves answers to: 1. WHAT ACTUALLY FAILED? What was the root cause of the water treatment plant’s communication failure, and why didn’t the backup systems prevent the interruption? 2. HOW CLOSE WERE WE TO A REAL EMERGENCY? How much usable water remained in storage, and how close did we come to affecting essential services, including firefighting? 3. WHAT WILL THIS COST TAXPAYERS AND RATEPAYERS? What did the emergency cost, what additional repairs or upgrades are necessary, and how will they be funded? 4. WHO IS RESPONSIBLE FOR MAKING SURE IT DOESN’T HAPPEN AGAIN? Is there a written corrective-action plan with assigned responsibilities, measurable results, and completion deadlines? 5. HOW WILL RESIDENTS KNOW THE PROBLEM IS REALLY FIXED? Will the city publish an after-action report explaining what happened, what was learned, what has been corrected, and what still needs attention? This isn’t about pointing fingers or finding someone to blame. It’s about learning, improving, and protecting our community. We can appreciate the city’s response while still expecting transparency, accountability, and a commitment to continuous improvement. Some technical information may need to remain confidential for security reasons. But that shouldn’t prevent residents from understanding the risks, the corrective actions, and the results. The real question isn’t whether Fernley recovered from the November 3 emergency. We know it did. The question is: If the same failure happened tomorrow, would we be better prepared? That’s a conversation worth having. Our community deserves more than reassurance. It deserves measurable results. Comment publication date: 11/12/26, 1:54 PM Comment source: Fernley Council Addresses Water Emergency Comment author: Donald DeVold Comment text: Great article It’s actually spelled DeVold Thank you Comment publication date: 10/29/26, 4:58 PM Comment source: The great robbery: Strip-6 by Solis helps Vaqueros punch playoff ticket Comment author: CH Comment text: I want to start a betting 'pool' for the October, November, and December closures: 1. A dent in the pool slide. 2. A failed breaker. 3. A pebble loose in the water part (replacing all concrete) 4. Hurricane Polo makes a sudden turn and blows off the roof (again). With soft muscles after 7 months of no swimming, the only health left is my sense of humor :) Comment publication date: 10/1/26, 11:18 AM Comment source: Fernley Pool Renovation Moves Forward, One Test at a Time Comment author: PFB Comment text: Why can't you guys find competent contractors.. For a large municipal facility like the indoor-outdoor Fernley Swimming Pool located at 300 Cottonwood Lane, a complete ground-up commercial build or major structural renovation typically spans 6 to 12 months or longer when factoring in large-scale engineering, public municipal permitting, specialized commercial HVAC/roofing, and health department inspections. The current renovation has been- The Fernley Swimming Pool has been closed for approximately six to seven months since late February 2026 for a major roof replacement and facility renovation. Now you sat October. Soooo 8 months for a new roof. The picture shows no other renovations. Comment publication date: 9/17/26, 7:14 PM Comment source: Electrical problem delays Fernley pool opening Comment author: P Comment text: Relative of the Mayor is to over see this site. Anyone who knows Fernley KNOWS this is more of the who you are related to and know business in this town. VOTE THEM ALL OUT AND THE CALIFORNIA TRANSPLANTS. Comment publication date: 9/16/26, 10:31 PM Comment source: Lift Station Failure Released Untreated Sewage Comment author: Christopher Walsh Comment text: Could you look into the strong recurring smell around Fernley? It smells like sewage and it can be bad enough that people don’t want to be outside or open their windows. It would be helpful to get an investigative journalist help the Fernley residents get a clear answer from the City, NDEP, and any involved facilities. I was really disappointed that the smell was not disclosed by my realtor when I moved here. I enjoy Fernley and am seeing the improvements that are being made. With Appreciation Comment publication date: 9/12/26, 2:49 PM Comment source: Sewage spill near City of Fernley Municipal Well 9
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