This
is an converted Word document provided by Tom Oconnell after his presentation
May 5th, 2008 (posted here with permission).
To
increase text size hold down your "CTRL" key and hit your
"+" key once or twice. To shrink it, use "CTRL" with the "-" key.
At
the bottom, you’ll find important contact information. To return to the
HHCDC site, click HERE.
Programs for Rural Community and Economic Development
Rural Housing www.rurdev.usda.gov/rhs/index.html
|
Program |
Objective |
Applicant |
Uses |
Population |
Loan/Grant |
Terms/Conditions |
|
Single Family Home Ownership.
Section 502 Rural
Housing Direct Loan |
Safe, well-built, affordable
homes for rural Americans. |
Families and individuals. Apply to Rural Development. |
Buy, build, improve, repair
or rehabilitate rural home as the applicant’s permanent residence. |
Rural areas with populations
of 20,000 or less. |
Direct
loan. |
Up to 100 percent of market
value or cost, whichever is less. Loan
amortized for 33/38 years. Applicant may be eligible for payment assistance
(subsidy) on the loan. |
|
Single Family Section 504
Housing
Repair & Rehabilitation Loan Single Family Section 504
Housing
Repair & Rehabilitation Grant |
To help very-low-income
applicants remove health and safety hazards or to repair their homes. |
Families and individuals who currently own their home.
Apply to Rural Development. |
Repair or replace roof, winterizing, purchase or
repair of heating system, structural repair, and water and sewage connect
fees, and similar uses. |
Rural areas with populations
of 20,000 or less. |
Direct
loan and grant. |
Loan terms to 20 years at 1
percent. Assistance to individual may not exceed $20,000. Grants only
available to very-low-income applicants 62 years or older who cannot afford
to pay 1 percent loan. |
|
Single Family Home Ownership Section 502 Rural
Housing Guaranteed Loan |
Assist eligible applicants in
buying their homes by guaranteeing loans made by private lenders. |
Families and
individuals. Apply to lender. |
Purchase new or existing
home. |
Rural areas with populations
of 20,000 or less. |
Loan
guarantee. |
30 year, fixed rate. Interest
rate negotiated between lender and borrower. Loans to 100 percent of market
value. |
|
Section 502 Mutual
Self-Help Home Ownership Loans |
Individual homes built by a
group of applicants, with construction guidance from a non-profit
organization. |
Families and
individuals. Apply to Rural
Development. Loan applications are processed on an individual basis for each
participating family. |
Construction of a new home,
in part by the applicant under supervision.
|
Rural areas with populations of 20,000 or
less. |
Direct
loan. |
Individual families receive a
direct loan from Rural Development. Participating non-profit housing
organization gets a grant to hire a supervisor and pay other administrative
expenses. |
|
Assist lower income families
in building their own homes. |
Non-profits and public
bodies. |
Technical assistance to
qualify and supervise small groups of families to build each other’s homes. |
Rural areas with populations
of 20,000 or less. |
Grant.
|
Grant agreement. |
|
|
Rental Housing for Families and Elderly Direct Loans and Loan
Guarantees |
Safe, well-built,
affordable rental housing for very-low-income individuals and families. |
Individuals, limited profit
and non-profit organizations. For guarantees, apply to intermediary lender;
for direct loans, apply to Rural Development. |
New construction or
substantial rehabilitation of rental housing. |
Rural areas with
populations of 20,000 or less. |
Direct
loan or loan guarantee. |
Up to 100 percent of total
development cost (non-profits); 97 percent (for-profits). 30-year term with
up to 50 year amortization. For for-profit organizations with Low-Income Housing
Tax Credits, 95 percent of total development costs. |
|
Section 533 Housing
Preservation Grant |
Repair and rehabilitate
housing owned or occupied by very-low- and low-income rural families. |
Public bodies and
non-profit organizations. Apply to Rural Development. |
Operation of a program
which finances repair and rehabilitation activities for single family and
small rental properties. |
Rural areas with
populations of 20,000 or less. |
Grant. |
Grant agreement. |
|
Community Facilities Direct and Guaranteed
Loan Program Community Facilities Grant Program (Faith-Based and First
Responder) |
Provide essential community
facilities for rural communities. |
Public bodies, non-profit
organizations, and Indian tribes. Apply to Rural Development. |
Build facilities and
purchase equipment for fire and rescue, telecommunications, schools,
libraries, hospitals, etc. |
Rural areas with
populations of 20,000 or less. |
Direct
loan or loan guarantee, grant. |
Up to 100 percent of market
value. Up to 40 years or life of security. Maximum grant 75 percent of
project cost. |
|
Section 514/516. Farm Labor
Housing Loans and Grants |
Safe, well-built affordable
rental housing for farm workers. |
Individuals, public and
private non-profit organizations. Apply to Rural Development. |
New construction or
substantial rehabilitation of rental housing. |
N/A |
Direct
loan and grant. |
Up to 102 percent of total
development cost. Up to 33 years to
repay at 1 percent interest. |
|
Direct Loans and Grants - Apply to
Rural Development. Loan Guarantees - Apply to intermediary (approved banks,
mortgage companies) |
||||||
OTHER RURAL
DEVELOPMENT HOUSING PROGRAMS
Section 523 Rural Housing Self-Help
Site Loans
Limited to private or public nonprofit
organizations that will provide sites solely for self-help housing.
Section 524 Rural Housing Site Loans
This program provides Government funding
for a public or private non-profit organization to buy and develop building
sites, including the construction of access roads, streets, and utilities. Sites developed under this program may be sold
to individual households, non-profit organizations, public agencies, and
cooperatives who provide financial assistance for housing to low- and
moderate-income families.
Section 509 Housing Application Packaging
Grants
Rural housing demonstration Program
This program provides government funds to
tax-exempt public agencies and private non-profit organizations to package
applications for submission to Rural Housing Programs. Packagers
assist very low- and low-income applicants with the application process by
prescreening, making preliminary eligibility determinations, ensuring the
application is complete, and helping the applicant understand the program.
Section 515 Rural Rental Housing
(including congregate housing and group homes); and
rural cooperative housing.)
Section 538 Guaranteed Rental Housing
Guaranteed loans for development of
multi-family housing facilities in rural areas of the
Section 521 Rental Assistance Program
Provides an additional source of support
for households with incomes too low to pay the subsidized (basic) rent from
their own resources. The program pays
the owner of a multi-family housing complex the difference between the tenant's
contribution (30 percent of adjusted income) and the monthly rental rate.
Rural Community Development
Initiative
The Rural Community Development Initiative
(RCDI) program provides grants to qualified intermediary organizations that
will provided financial and technical assistance to recipients to develop their
capacity and ability to undertake projects related to housing, community
facilities, or community and economic development.
Economic
Impact Initiative Grants
Rural Business www.rurdev.usda.gov/rbs/index.html
|
Program |
Objective |
Applicant |
Uses |
Population |
Loan/Grant |
Terms/Conditions |
|
Create jobs and stimulate
rural economies by providing financial backing for rural businesses. |
Businesses. Apply through
Federal or State chartered banks, credit unions, savings & loan
associations. |
Most legal business
purposes except production agriculture. Include acquisition, start-up and
expansion of businesses that create rural employment. |
All areas except cities of
more than 50,000 and their contiguous and adjacent urbanized areas. |
Loan guarantee. |
Lender and borrower
negotiate terms. Interest rate tied to published rate that may change no more
often than quarterly. |
|
|
Finance and facilitate the
development of small and emerging private business enterprises. |
Public bodies, private
non-profit corporations, and federally recognized Native American tribal
groups. Apply to Rural Development. |
Buy and develop land,
establish a revolving loan fund, construct buildings, plants, equipment,
access streets and roads, parking areas, utility and service extensions, and
rural distance learning networks. |
All areas except cities of
more than 50,000 and their contiguous and adjacent urbanized areas. |
Grant. |
When grant funds are used
for revolving loan fund (RLF), the intermediary makes loans to businesses
from its RLF on terms consistent with security offered. |
|
|
Finance business facilities
and community development projects in rural areas. |
Public bodies, non-profit
corporations, Native American tribes, and cooperatives. Apply to Rural
Development. |
Community development
projects, establishment or expansion of businesses, creation or saving of
rural jobs. |
Rural areas and
incorporated places with populations of less than 25,000. |
Direct loan. |
The intermediary makes
loans to businesses from its revolving loan fund on terms consistent with
security offered. Intermediary pays 1 percent for 30 years. |
|
|
Finance economic
development and job creation in rural areas. |
Rural Utilities
Service-financed electric and telephone utilities. Apply to Rural
Development. |
Business startups or
expansion projects that create rural jobs. |
Rural areas and places with
populations of 2,500 or less. |
Direct loan and revolving
loan fund grant. |
The intermediary (electric
or telephone utility) makes loans to profit or non-profit business and public
bodies for rural economic development and/or job creation projects. Loans are
0 percent for 10 years. |
|
|
Rural Cooperative
Development Grants (RCDG) |
Establish and operate
centers for cooperative development to improve the economic condition of
rural areas through the development of new cooperatives and improving
operations of existing cooperatives. |
Non-profit corporations and
institutions of higher education. Apply directly to Rural Development
National Office. |
Establish operating centers
for development of rural cooperatives. |
No population restriction. |
Grant. |
Applicants must meet
specific selection criteria including a minimum 25 percent fund match. Grants
are awarded on a competitive basis. Some funds are reserved for applicants
that focus on assistance to small, minority producers through their
cooperative businesses (governing board or membership at least 75 percent
minority). |
|
Value-Added Producer
Grants (VAPG) |
Assist independent agricultural
producers to enter into activities that add value to their crops. |
Independent producers,
farmer and rancher cooperatives, agricultural
producer groups, and majority-controlled producer-based business ventures.
Apply to Rural |
Planning
purposes such as conducting feasibility studies or business plans; or as
working capital to help start the operations of a venture. |
No population restriction. |
Grant. |
Applicants must meet
specific selection criteria. Grants are awarded on a competitive basis. Funds
cannot be used to build facilities or purchase equipment. Funds must be
matched on a dollar-for- dollar basis. |
|
Finance technical assistance
for business development planning in rural areas. |
Public
bodies, non-profit corporations, Indian tribes on Federal or State
reservations, and cooperatives with members that are primarily rural
residents. |
Technical
assistance, leadership training, establishment of business support centers,
economic development plans. |
All areas except cities of more than 50,000 and their
contiguous and adjacent urbanized areas. |
Grant. |
Must be completed within 2 years after
project has begun. |
|
|
Finance the purchase of renewable energy systems,
and make energy improvements. |
Agricultural
producers and rural small businesses. |
Construction
or improvements, purchase and installation of equipment, energy audits,
permit fees, professional service fees, business plans, feasibility studies. |
All areas
except cities of more than 50,000 and their contiguous and adjacent urbanized
areas. |
Grant. |
Applicants
must meet specific selection criteria. Grants are awarded on a competitive
basis. Grant cannot exceed 25 percent of eligible project costs. |
OTHER RURAL DEVELOPMENT BUSINESS AND COOPERATIVE
PROGRAMS AND SPECIAL INITIATIVES
|
Finance the research and
development of biomass based products, bioenergy, biofuels, and related
processes. |
Institutions of higher education,
National laboratories, Federal or State research agencies, private sector
entities, and non-profit organizations. |
Research and development of
biomass based products, bioenergy, biofuels, and related processes. |
No population restriction. |
Grant. |
Applicants must meet specific
selection criteria. Grants are awarded
on a competitive basis. A minimum of
20 percent cost sharing requirements apply, and may be up to 50 percent
depending on nature of project. Cost
share must come from non-Federal sources.
|
|
|
Direct Loans
and Grants - Apply to Rural Development. Loan Guarantees - Apply to
intermediary (eligible banks, etc). |
||||||
Ø Cooperative Development Technical
Assistance Program
Ø Small Minority
Producer Grant (SMPG)
Ø Research on Rural Cooperative
Opportunities & Problems
Ø Appropriate Technology Transfer
for Rural Areas
Ø National Sheep Industry
Improvement Center
Ø Agriculture
Innovation Center Program (AIC)
Ø 1890
Land-Grant Program
Ø Bio-based Products and
Bio-energy Program
Ø Army's Armament Retooling & Manufacturing Support
Ø
Ø Empowerment Zones and Enterprise
Communities (Moloka’i)
Ø Kauai Rural Champion
Community
Ø National Centers of Excellence
Program
Ø Rural Community Advancement
Program
Ø Rural
Economic Area Partnership Program (REAP) Zones
Ø Community Development Technical
Assistance
Rural Infrastructure
www.rurdev.usda.gov/rus/index.html
|
Program |
Objective |
Applicant |
Uses |
Population |
Loan/Grant |
Terms/Conditions |
|
Provide infrastructure for
rural areas. |
Public entities, Indian
tribes, and non-profit corporations. Apply to Rural Development. |
Build, repair, and improve
public water systems, and waste collection and treatment systems. Also other
related costs. |
Rural areas, cities, and
towns with up to 10,000 population. |
Direct loan and grant. |
Interest rates are set
quarterly based on an index of current market yields for municipal
obligations. Repayment period is a maximum of 40 years. Grant funds may be
available. |
|
|
Water and Waste Disposal Loan Guarantees |
Provide infrastructure for
rural areas. |
Public entities, Indian
tribes, and non-profit corporations. Apply to Rural Development. |
Construct, repair, modify,
expand, improve water supply and distribution systems, and waste collection
and treatment systems. Also other related costs. |
Rural areas, cities, and
towns with up to 10,000 population. |
Loan guarantee. |
Eligible lenders obtain up
to a 90 percent guarantee on loans they make and service. Lenders should
contact Rural Development Area or State Office. |
|
Provide technical
assistance and/or training to help communities reduce the solid waste stream. |
Non-profit organizations
and public bodies. Apply to Rural Development. |
Provide technical
assistance and training to reduce pollution of water resources and improve
management of solid waste facilities; reduce solid waste in streams. |
Rural areas, cities and
towns with up to 10,000 population. |
Grant. |
Projects are funded based
on selection at the National level. Applications are accepted from October 1st
to December 31st of each year. |
|
|
The deployment of broadband
service to eligible rural communities. |
Legally organized entities
providing or proposing to provide broadband service in eligible rural
communities. Cannot serve more than 2%
of the telephone subscriber lines installed in the |
The construction,
acquisition, and improvement of broadband transmission facilities and equipment;
land and buildings used in providing broadband service; and the refinancing
of Telecommunications Program debt. |
Eligible rural communities
with a population of 20,000 inhabitants or less. The community cannot be located in a
standard metropolitan statistical area. |
Direct
loans and loan guarantees. |
Loans are made at the
Treasury rate of interest at the time of the advance for a period equal to
expected composite economic life of the assets financed. Loans are guaranteed at the interest rate
set by the private lender for no more than 80% of the principal amount. |
|
|
Rural Electrification
Hardship Loans Rural
Electrification Municipal Rate Loans Rural
Electrification Treasury Rate Loans Rural
Electrification Guaranteed Loans |
Provide financial aid
through direct and guaranteed loans for electric and telecommunications
services. |
Non-profit and cooperative
associations, public bodies, and other utilities. Contact USDA-RUS
Administrator, STOP 1510, |
Generation, bulk
transmission facilities, and distribution of electric power. Enhance 911
emergency service, digital switching equipment, fiber optic cable, along with
traditional main system telecommunications service. |
Rural areas. |
Direct loan or loan
guarantee. |
Interest rates are
established in accordance with 7CFR 17145. |
|
Development and deployment
of advanced telecommunication services throughout rural |
Incorporated entities,
including municipal corporations, on a for-profit or not-for-profit basis,
that operate rural schools, libraries, health care clinics and other
organizations that operate educational or health care facilities. |
Equipment for classrooms:
cameras, video monitors, computers, and LAN. Also for physician consultation,
radiology, x-ray scanners, and digital microscopes. |
Rural areas. |
Direct
loan and/or grant. |
Matching funds are
required. |
|
|
Direct Loans and Grants - Apply to
Rural Development. Loan Guarantees - Apply to intermediary (eligible banks,
etc). |
||||||
OTHER RURAL
DEVELOPMENT UTILITY PROGRAMS
Ø High Energy Cost Grant Program
Ø Technical
Assistance and Training Grants (TAT)
Ø Rural Water
Circuit Rider Technical Assistance Grants
Ø Emergency
Community Water Assistance Grants
Ø Rural Public Television
Digital Transition Grant Program
Ø Household Water Well System
Program
Ø Local Dial-Up Internet Grant
Program
Ø Community Connect Grant
program
Summary
of Program Purposes
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Land & |
Mach. & |
Working |
Infrastructure |
Train/ |
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Building |
Equip. |
Capital |
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Tech. |
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RURAL HOUSING |
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Single Family
Housing - Direct loan |
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Single Family
Housing - Guaranteed loan |
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Single Family
Housing Repair - Loan/grant |
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Rural Rental
Housing – Guaranteed loan |
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Rural Rental
Housing - Direct loan |
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Farm Labor Housing
- Loan/grant |
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Community
Facilities - Direct loan/grant |
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Community
Facilities – Guaranteed loan |
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Housing
Preservation – Grant |
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RURAL BUSINESS |
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Business &
Industry - Guaranteed loan |
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Rural Business |
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Intermediary
Relending – Loan |
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Rural Economic
Development Loan and Grant |
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Rural Cooperative
Development Grant |
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Value-Added
Agricultural Product Market Dev. Grant |
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Rural Business |
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Renewable
Energy/Energy Efficiency Grant |
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RURAL INFRASTRUCTURE |
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Water and Sewer -
Loan/grant |
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Water and Sewer -
Guaranteed loan |
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Solid Waste
Management Grant |
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Rural Broadband
Loan and Loan Guarantee |
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Electric and
Telecommunications - Direct/guar. loan |
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Distance Learning
& Telemedicine - Loan/grant |
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USDA/Rural Development Offices—State
of
Hilo, HI 96720
(808) 933-8302 (F) 933-8327
Rural Utilities/Community
Program Director Ted
K. Matsuo 933-8310 ted.matsuo@hi.usda.gov
Rural Housing Program
Director Donald
K. Etes 933-8305 donald.etes@hi.usda.gov
Rural Business Program
Director Steven
R. Chapman 933-8318 steven.chapman@hi.usda.gov
Cooperative Development
Specialist/ Timothy
W. O’Connell 933-8313 tim.oconnell@hi.usda.gov
Rural Energy
Coordinator/Value-Added Producer Grants
Area Office I Office Oahu
Thao Khamoui, Area Director Nathan Iha, Area
Specialist Nate
Riedel, Area Specialist
USDA/Rural Development USDA/Rural
Development USDA/Rural
Development
P.O. Box 50084; 300 Ala Moana Blvd. (808) 483-8600 (F) 483-8605
(808) 483-8600 (F) 483-8605 nathan.riedel@pb.usda.gov
Roy
Shigehara, Area Specialist Karen Uyesono, Area Technician Irene Lam, Area Specialist
USDA/Rural Development USDA/Rural
Development USDA/Rural
Development
(808) 933-8330 (F) 933-8336 (808)
245-9014 (F) - 246-0277
roy.shigehara@hi.usda.gov karen.uyesono@hi.usda.gov (808) 553-5321 (F) 553-3739
Daryl
K. Atay, Area Specialist
USDA/Rural Development
(808) 244-3100 (F) 242-7005
USDA/Rural Development—Area II Offices
Area II Office
Guam/Saipan
Area Director Joseph
M. Diego (671) 472-7361 joseph.diego@pb.usda.gov
First Hawaiian Bank Bldg.,
400 Route 8
Hagatna, GU 96910-2011
Fax: 671-472-7366
Area Specialist VACANT
Area Technician Linda
A. Michael linda.michael@pb.usda.gov
Pierantozzi Bldg. II
P. O. Box 430
Koror, Palau, PW
96940
Com:
011-680-488-2499 Fax:
011-680-488-1373
Majuro
Satellite Office
Area Specialist Zed
J. Zedhkeia zed.zedhkeia@pb.usda.gov
Majuro, MH 96960
Com:
011-692-625-3846/3845/6266 Fax:
011-692-625-3995
Ebeye
Com: 011-692-329-4230/4270 Fax:
011-692-329-3309
USDA/Rural Development—Area III
Offices
Area III Office
Pohnpei
Area Director VACANT
Area Specialist Berley
O. Araceley berley.araceley@pb.usda.gov
Area Specialist Cheryl
B. Burkindine cheryl.burkindine@pb.usda.gov
Jem's Building
Pohnpei, FM
96941
Com: 011-691-320-2581/2583/5583 Fax: 011-691-320-2662
Chuuk
Satellite Office
Area Specialist VACANT
Area Assistant Kathy
Lukas kathy.lukas@pb.usda.gov
Chuuk, FM 96942
Com: 011-691-330-2658/4526 Fax: 011-691-330-4658
Kosrae
Satellite Office
Area Specialist Richard
Roderick richard.roderick@pb.usda.gov
Area Assistant Havelyn
H. Tosie havelyn.tosie@pb.usda.gov
Tofol, Kosrae,
FM 96944
Com:
011-691-370-3198/2198 Fax:
011-691-370-2079
Area Specialist Eric
Joyce eric.joyce@pb.usda.gov
Area Assistant Maria
Mireg maria.mireg@pb.usda.gov
Waab Commercial Ctr.
Com: 011-691-350-2191 Fax:
011-691-350-2250