#USDA Rural Housing

[kentuckybats]

Kentucky USDA Mortgage Qualifying Guidelines for 2023

[headedoutleft]

https://www.rd.usda.gov/programs-services/single-family-housing-programs

Not enough people know about the USDA rural housing programs, but I’ve known multiple people who have only been able to afford houses this way. What counts as rural might surprise you (it definitely surprised me!)

I should write a whole thing about it someday, I don’t have the energy to do it rn, but if you are below the median income level in your area then programs like this are worth looking into

[phoenixyfriend]

Tell me about your general region (continent or country) and living density (rural enough that your nearest neighbor is eight miles away, suburban where there's nothing but single-family housing as far as the eye can see, a city with tens of thousands of people per square mile, etc) in the tags!

Metric measurements rounded to the nearest half meter, then nearest tenth of a kilometer.

According to the USDA, a food desert is:

A tract with at least 500 people, or 33 percent of the population, living more than one-half mile (urban areas) or 10 miles (rural areas) from the nearest supermarket, supercenter, or large grocery store.

[batboyblog]

Things Biden and the Democrats did, this week #7

Feb 23-March 1 2024

The White House announced $1.7 Billion in new commitments from local governments, health care systems, charities, business and non-profits as part of the White House Challenge to End Hunger and Build Healthy Communities. The Challenge was launched with 8 billion dollars in 2022 with the goal of ending hunger in America by 2030. The Challenge also seeks to drastically reduce diet-related diseases (like type 2 diabetes). As part of the new commitments 16 city pledged to make plans to end hunger by 2030, the largest insurance company in North Carolina made nutrition coaching and a healthy food delivery program a standard benefit for members, and since the challenge launched the USDA's Summer EBT program has allowed 37 states to feed children over the summer, its expected 21 million low income kids will use the program this summer.

The US House passed a bill on Nuclear energy representing the first update in US nuclear energy policy in decades, it expands the Nuclear Regulatory Commission and reduces reducing licensing fees. Nuclear power represents America's single largest source of clean energy, with almost half of carbon-free electricity coming from it. This bill will boost the industry and make it easier to build new plants

Vice President Harris announced key changes to the Child Care & Development Block Grant (CCDBG) program. The CCDBG supports the families of a million American children every month to help afford child care. The new changes include capping the co-pay families pay to no more than 7% of their income. Studies show that high income families pay 6-8% of their income in childcare while low income families pay 31%. The cap will reduce or eliminate fees for 100,000 families saving them an average of over $200 a month. The changes also strength payments to childcare providers insuring prompt payment.

The House passed a bill making changes to the Small Business Administration’s 8(a) program. The 8(a) is an intensive 9 year program that offers wide ranging training and support to small business owners who are socially and economically disadvantaged, predominantly native owned businesses. Under the current structure once a business reaches over 6.8 million in assets they're kicked off the program, even though the SBA counts anything under $10 million as a small business, many companies try to limit growth to stay on the program. The House also passed a bill to create an Office of Native American Affairs at the SBA, in order to support Native-owned small businesses.

The White House and HUD announced steps to boost the housing supply and lower costs plans include making permanent the Federal Financing Bank Risk Sharing program, the program has created 12,000 affordable housing units since 2021 with $2 billion and plans 38,000 additional units over ten years. As well as support for HUD's HOME program which has spent $4.35 billion since 2021 to build affordable rental homes and make home ownership a reality for Americans. For the first time an administration is making funds available specifically for investments in manufactured housing, $225 million. 20 million Americans live in manufactured housing, the largest form of unsubsidized affordable housing in the country, particularly the rural poor and people in tribal communities.

The Department of Energy announced $336 million in investments in rural and remote communities to lower energy costs and improve reliability. The projects represent communities in 20 states and across 30 Native tribes. 21% of Navajo Nation homes and 35% of Hopi Indian Tribe homes remain unelectrified, one of the projects hopes to bring that number to 0. Another project supports replacing a hydroelectric dam in Alaska replacing all the Chignik Bay Tribal Council's diesel power with clear hydro power. The DoE also announced $18 million for Transformative Energy projects lead by tribal or local governments and $25 million for Tribal clean energy projects, this comes on top of $75 million in Tribal clean energy projects in 2023

Transportation Secretary Pete Buttigieg put forward new rules to ensure airline passengers who use wheelchairs can travel safely and with dignity. Under the planned rules mishandling a wheelchair would be a violation of the ACAA, airlines would be required to immediately notify the passenger of their rights. Airlines would be required to repair or replace the wheelchair at the preferred vendor of the passenger's choice as well as provide a loaner wheelchair that fits the passenger's needs/requirements

The EPA launched a $3 Billion dollar program to help ports become zero-emission. This investment in green tech and zero-emission will help important transportation hubs fight climate change and replace some of the largest concentrations of diesel powered heavy equipment in America.

the EPA announced $1 Billion dollars to help clean up toxic Superfund sites. This is the last of $3.5 billion the Biden administration has invested in cleaning up toxic waste sites known as Superfund sites. This investment will help finish clean up at 85 sites across the country as well as start clean up at 25 new sites. Many Superfund sites are contained and then left not cleaned for years even decades. Thanks to the Biden-Harris team's investment the EPA has been able to do more clean up of Superfund sites in the last 2 years than the 5 years before it. More than 25% of America's black and hispanic population live with-in 5 miles of a Superfund site.

Bonus: Sweden cleared the final major barrier to become NATO's 32nd member. The Swedish Foreign Minster is expected to fly to Washington to deposit the articles of accession at the US State Department. NATO membership for Sweden and its neighbor Finland (joined last year) has been a major foreign policy goal of President Biden in the face of Russian aggressive against Ukraine. Former President Trump has repeatedly attacked NATO and declared he wants to leave the 75 year old Alliance, even going so far as to tell Russia to "do whatever the hell they want" with European NATO allies

[mariacallous]

The Farm Bill is a critical piece of legislation that reauthorizes the country’s agricultural and nutrition programs about every five years—and the 2024 version is now on legislators’ desks, with some major changes. 

Originally designed to support farmers, the Farm Bill has evolved over time to prioritize nutrition assistance, with the Supplemental Nutrition Assistance Program (SNAP) now comprising 76% of the budget—projected to increase to 84% in the current version. This shift underscores the growing emphasis on addressing food insecurity among low-income Americans, as SNAP currently serves over 42 million individuals, or about 12% of the population.

The 2024 Farm Bill will fund SNAP, agriculture subsidies, and crop insurance through 2029, at a projected cost of $1.5 trillion. However, as the first Farm Bill to exceed $1 trillion, it faces heightened scrutiny as both parties clash over the allocation of funding between SNAP, subsidies, and other key programs.  

The current version of the bill, introduced by the Republican-led House Agriculture Committee, has sparked controversy by proposing a $30 billion cut to SNAP funding over the next decade. This reduction would be achieved by limiting adjustments to the Thrifty Food Plan (TFP)—a low-cost, standardized estimate of the minimum cost of a nutritious diet, used to determine SNAP benefit levels—to inflation rates only.  

The TFP is reevaluated every five years to reflect current food costs. In 2021, the Biden administration reevaluated the TFP to respond to high food costs due to COVID-19 and supply chain issues in the global food industry, resulting in the largest-ever increase in SNAP benefits, totaling $256 billion. Now, Republicans are seeking to restrict future adjustments to reflect only inflation costs, marking the largest SNAP reduction in nearly three decades. But Democrats and researchers argue that such a restriction could have significant impacts on the 42 million SNAP recipients, including 17 million children, 6 million older adults, and 4 million people with disabilities.

Americans face rising food insecurity and barriers in accessing nutritious diets  

The proposed cuts, along with provisions to outsource program operations, could undermine SNAP’s ability to effectively combat food insecurity. This is especially concerning given that food insecurity rates rose to 13.5% of U.S. households in 2023, affecting 18 million families—a statistically significantly increase from 2022, according to the U.S. Department of Agriculture (USDA). Food insecurity rates are notably higher for single-parent, female-headed households; Black and Latino or Hispanic households; and households in principal cities and rural areas. In addition, voters are growing increasingly worried about inflation and high food costs, with 70% citing food prices as a major concern. This view is especially pronounced among younger voters, who have been hit hard by a 20% surge in food costs since 2020, as reported by the Bureau of Labor Statistics.  

In addition to concerns surrounding food insecurity and rising costs, the TFP debate risks being a superficial fix that overlooks deeper, more critical challenges low-income families face in accessing nutritious diets. A USDA study found that 88% of SNAP participants encounter challenges in maintaining a healthy diet, with 61% citing the high cost of healthy foods as a key barrier. Other reasons include a lack of time to prepare meals at home and transportation difficulties in accessing healthy foods.  

Access barriers—combined with broader economic factors such as regional variations in real food prices and other costs of living, shifts in food composition data, changing consumption patterns, and updated dietary guidance—significantly impact low-income households’ ability to maintain affordable, nutritious diets. Addressing such factors is crucial for creating a more sustainable and impactful SNAP program, yet they remain sidelined in favor of quick, inflation-focused approaches that do little to address systemic barriers to healthy food access for vulnerable families.

The proposed $30 billion cut to SNAP funding over the next decade by restricting the USDA’s authority to adjust the TFP beyond inflation rates will have serious and multidimensional challenges for these low-income, food-insecure households. In addition, the bill’s proposal to outsource core SNAP operations to private entities could create complications in the application process and eligibility criteria, while also increasing federal costs by $1 million.  

Notably, the current version of the bill proposes to expand SNAP’s purpose to include the prevention of diet-related chronic diseases. Critics, such as the HEAL (Health, Environment, Agriculture, Labor) Food Alliance, argue that this risks diverting attention away from SNAP’s core mission of reducing food insecurity, and instead shifts the focus to diet-related concerns facing low-income populations. Yet these diet-related concerns are often a result of multifaceted challenges such as stress (or “bandwidth poverty”), food insecurity, and other factors such households face. The current version of the bill also proposes to cut climate-focused conservation efforts introduced by the Inflation Reduction Act. 

Proposed changes to agricultural subsidies have sparked equity concerns 

The proposed Farm Bill aims to reallocate funds by raising price floors for key agricultural commodities such as corn, wheat, and soybeans, while cutting SNAP funding. A large portion of the increased spending is directed toward farm programs and crop insurance—raising concerns about equity and the disproportionate benefits to large, wealthy farms. 

A report from the American Enterprise Institute highlights this disparity, revealing that the top 10% of farms receive 56.4% of all crop insurance subsidies, with the top 5% receiving 36.4%. Since these subsidies are not means-tested—and the level of subsidies is directly proportional to an agri-business’s production levels—the wealthiest and largest businesses capture the most significant share of these benefits. Research from the Environmental Working Group confirms evidence on the concentration of these subsidies toward the wealthiest agri-business owners. They found that between 1995 and 2021, the top 1% of recipients received 27% of the total $478 billion in farm subsidies—underscoring the disproportionate benefits to large-scale, wealthy farmers. Moreover, these subsidies favor a narrow range of commodity crops such as corn, soybeans, wheat, and cotton, which accumulates benefits to white, wealthy farmers while farmers of color receive little support. This inequitable allocation of resources raises important questions about the Farm Bill’s broader social and economic implications.  

The Government Accountability Office and Congressional Budget Office have proposed reforms to the current inequitable structure of these subsidies. Such reforms have the potential to reduce the fiscal deficit while protecting rights of farmers, ensuring food assistance to low-income populations, and maintaining price levels of key commodities. Reforms include implementing income limits on premium subsidies for wealthy farmers, adjusting compensation for insurance companies to reflect market rates, and reducing taxpayer reimbursements for administrative costs.

SNAP benefits aren’t keeping up with the true costs of a healthy diet 

A critical aspect of SNAP that is often overlooked in fiscal policy debates is the economic adequacy of the program’s benefits. There is a growing body of research suggesting that SNAP benefits in their current form are insufficient to cover the “real” cost of a healthy diet. 

In other words, the TFP might not truly reflect the real value of food costs low-income households face. The TFP was originally intended to represent the minimum food expenditure basket that would allow low-income households to avoid food insecurity. It is not necessarily based on the most recent scientific methodologies that factor in food prices, accessibility, and dietary needs.  

Recent evaluations have shown that the TFP often underestimates the cost of a nutritious diet, particularly in areas with higher living costs. An Urban Institute study found that despite food price inflation moderating in 2023, SNAP benefits remained inadequate for covering food costs: By the end of 2023, the average modestly priced meal cost $3.37, which was 19% more than the average maximum SNAP benefit of $2.84. Families with zero net income faced a shortfall of $49.29 per month by the end of the year, with urban areas experiencing a 28% gap between meal costs and SNAP benefits, compared to 17% in rural areas. In the five counties with the largest gaps, the shortfall exceeded 70% throughout the year. 

Recent economic research indicates that current SNAP benefits often fall short of covering the actual cost of a low-budget, healthy diet, with significant variations in benefit adequacy across U.S. regions. Researchers have found that these geographic variations in SNAP purchasing power significantly affect welfare outcomes such as child health and food insecurity. Despite deductions for housing and child care, many regions face much higher real costs of food, and SNAP dollars do not go far in such high-cost areas. To ensure equitable support, social scientists have put forth proposals to index SNAP benefits to local area food prices.   

Therefore, the proposed cuts to SNAP funding risk exacerbating systemic and multidimensional challenges low-income populations already face. Concerns about food insecurity and diet-related chronic diseases are symptomatic of deeper systemic challenges related to health insurance access, stress and bandwidth poverty, access to healthy foods, the higher cost of healthy foods, and structural oligopolies in the American food industry. Research suggests that SNAP inadequacy is linked to worse health outcomes, such as increased risk of obesity, diabetes, and hypertension. Yet instead of focusing on deeper systemic issues, the current Farm Bill proposes a quick fix, Band-Aid solution by proposing to cut SNAP funding further.

Policy recommendations for a stronger Farm Bill 

Despite proposing massive cuts to SNAP, increasing inequitable farm subsidies, and cutting climate funding for conservation efforts, the 2024 Farm Bill does lay out some positive measures. These include raising the income cutoff for SNAP eligibility (the Earned Income Deduction) from 20% to 22% of income, which will ensure more households just at the margin of earned income now have access to SNAP benefits. It proposes to give benefits access to individuals with drug-related convictions, who were previously excluded. Further, it proposes to extend the age limit for high school students on SNAP from 18 to 22 years, allowing students to work without disincentivizing income for eligibility. However, despite these positives, the proposed cuts and other changes could undermine the Farm Bill’s effectiveness in addressing food insecurity and equity concerns in agricultural subsidies.  

The proposed cuts based on restricting SNAP increases to only reflect inflation diverge significantly from academic research underscoring that the TFP should be updated regularly to factor in food prices, consumption patterns, and nutritional guidelines. While this measure could save $29 billion between 2025 and 2033, it will further dampen SNAP’s purchasing power as food costs continue to rise and vary across regions. 

The polarization of the Farm Bill reflects a broader ideological divide over the role of welfare in American society. Republicans have historically advocated for limited assistance and stricter work requirements for SNAP recipients. In contrast, Democrats have historically perceived welfare programs such as SNAP as essential tools for reducing poverty and inequality, and advocated for expanded benefits and more coverage.  

Politicians need to look beyond this ideological gap and focus instead on creating a more equitable and effective Farm Bill that addresses society’s economic and welfare needs. A zero-sum approach that pits agricultural interests against the needs of food-insecure, low-income consumers is not proving to be effective.  

What follows are key policy recommendations for crafting an inclusive and equitable Farm Bill that addresses the economic and welfare needs of vulnerable populations, including low-income households and underrepresented farmers. 

Evidence-based SNAP adjustments: Use scientific methodologies to measure the TFP’s adequacy and issue frequent and regular updates to SNAP benefits. Factors that impact the TFP beyond inflation include other costs of living, regional variations in SNAP adequacy, food consumption patterns, and healthy diet guidelines. 

Index benefits to reflect local economic conditions: Implement regional cost-of-living adjustments to SNAP benefits, which can address disparities in food costs and improve equity across geographic regions.  

Expand access to healthy foods: Invest in initiatives that improve access to healthier food options, such as affordable farmers markets, community gardens, and incentives for retailers in underserved areas to improve food access and support local economies.  

Rebalance agricultural subsidies: Impose income limits on farm subsidies and expand efforts to improve subsidy access for small-scale and BIPOC farmers.   

Integrate climate goals: Allocate funding for climate-resilient agricultural practices and provide financial assistance and incentives to small-scale and BIPOC farmers to invest in such technologies.  

Foster bipartisan collaboration: Encourage cooperation across party lines to create a Farm Bill that balances agricultural support with food assistance—recognizing their interdependence rather than treating them as competing interests. 

Engage stakeholders: Involve farmers, nutrition advocates, and SNAP recipients in the legislative process to ensure policies reflect the needs and realities of those directly impacted. 

The 2024 Farm Bill represents a critical opportunity for Congress to craft a more equitable and inclusive policy that addresses the dual needs of supporting agricultural production as well as nutrition assistance. However, as it currently stands, proposals such as the $30 billion cut to SNAP funding, the shift in focus toward preventing diet-related diseases, and the continued expansion of agricultural subsidies that disproportionately benefit white, wealthy farmers and a limited number of commodity crops risk undermining SNAP’s response to food insecurity and worsening inequality in the agriculture sector. 

Policymakers must look beyond zero-sum dynamics that pit agricultural subsidies against nutrition assistance, when the fundamental issues farmers and low-income households face are symptomatic of deeper systemic inequalities in the economic and welfare structures of fiscal policy. Therefore, rather than continuing to concentrate support in the hands of wealthy, large-scale agricultural producers, the Farm Bill should prioritize uplifting smaller, diverse farmers and ensuring low-income households have the resources they need to access nutritious food. Encouraging small-scale and low-income BIPOC farmers to invest in green technology is also essential, as this would foster more sustainable agricultural practices while supporting communities’ economic growth. At the same time, Congress must ensure that commodity prices remain stable and affordable, preventing further economic burdens on consumers. 

An equitable and welfare-focused Farm Bill would embrace a broader vision—one that balances the needs of both rural farming communities and urban, food-insecure families. By aligning agricultural subsidies with sustainable practices and expanding SNAP’s effectiveness, Congress can craft a policy that not only strengthens food security, but also builds a more just, resilient, and environmentally responsible food system for all Americans. 

[secretmessages1983]

also btw i know most young people are like i can never afford a house blah blah blah and it's usually the down payment is the reason why

there are loans that do not require a down payment that's how i bought my house

my home loan is through the usda to support lower and middle class people in rural areas purchase homes there's also grant and assistance programs like do research you would be surprised

hopefully this is mean but you like need to do research and figure it out i think a lot of people just assume they won't ever be able to buy a house without any research into it

also a tough pill to swallow but most likely you won't be able to buy a house in the middle of whatever us major city you live in it's probably gonna be farther out but yeah do research you would be surprised 🤷‍♂️

[rjzimmerman]

Excerpt from this press release from the Department of the Interior:

Today, the Departments of the Interior, Agriculture, and Commerce released a report outlining recommendations to enhance community-led economic development by creating jobs in the sustainable forest product sector and outdoor recreation while supporting healthy, resilient forests. This report was developed in response to climate change impacts, workforce and housing shortages, and barriers to intergovernmental coordination in rural forest-dependent communities and builds on President Biden’s Executive Order on Strengthening the Nation’s Forests, Communities, and Local Economies (E.O. 14072), which he signed on Earth Day 2022.  

The report’s release comes during Climate Week, as the Biden-Harris administration continues demonstrating its commitment to addressing the climate crisis. 

America’s forests provide millions of jobs and underpin local economies, particularly in rural communities. The Biden-Harris administration is mobilizing historic resources to help these forests and communities thrive. Through the Bipartisan Infrastructure Law, Inflation Reduction Act, and Great American Outdoors Act—in addition to annual appropriations—the Administration is providing historic funding for wildfire risk reduction, innovative forest products that create jobs, restoration and forest management to help our forests better withstand extreme weather events, outdoor recreation investments such as campgrounds, and research and development programs. The Department of the Interior’s Bureau of Land Management’s 21st Century Blueprint for Outdoor Recreation, USDA Forest Service’s Reimagine Recreation initiative and Department of Commerce’s U.S. Economic Development Administration’s Travel, Tourism and Outdoor Recreation program are also advancing public lands management and the outdoor recreation and tourism industries, for the benefit of current and future rural communities.  

Today’s report provides recommendations to further these efforts by encouraging greater collaboration among federal agencies to deliver the resources and services that rural, forest-dependent communities need and to foster economic resilience.

The report proposes fostering community resilience by better connecting communities with the many existing tools to navigate climate-based risks in a way that also builds sustainable economic development and healthy forest practices. In addition, coordination across the federal government and with partners can help communities tap into existing resources to pursue their economic development plans and address bottlenecks or barriers to delivering support.  

The report also emphasizes how forests benefit underserved communities, including Tribes, which are disproportionately affected by climate impacts. For example, the Interior Department and Forest Service's Equity Action Plans seeks to enhance Tribal co-stewardship and promote equitable access to cultural and recreational opportunities for all communities. 

[luthwhore]

i am buying a house, and (maybe) you can too!

so... you want to buy a house, but you don't make a lot of money and you have no way to save up the recommended 10% recommended downpayment on a mortgage, which means you're basically going to be stuck renting forever, right?

well... actually, maybe not!

this post is going to be very US-centric, so i cannot speak to the homebuying experience in other countries, but if you live in the united states... you might be able to buy a house for much less up front than you might think!

this is gonna get long, but the main things you'll need are:

a credit score in the low- to mid-600s. this can vary by program, but most down payment assistance programs require somewhere between a 620 and 660. (i might make a second post at some point about credit scores bc fixing my credit score was a long and arduous process.)

enough in savings to cover a few up-front expenses. there are a couple of things that the down payment assistance programs won't cover. for me, we ended up having to pay ~$1500 up front total, which - to put it in perspective - is less than the deposit and move-in fees were going to be at most apartments in our area.

that's basically it! if you can do those two things, you might be able to buy a house!

let's talk about the details.

programs vary by state, but most states have down payment assistance programs of one kind or another. there's also a federal USDA loan program which is $0 down as well, but is only available in rural areas.

these programs WILL usually require you to have a certain credit score, usually somewhere in the 600s. (the particular program my housemates and i are using requires a minimum 640, but some require a higher or lower credit score than that.)

usually your first step is speak to a mortgage lender. the mortgage lender i'm working with is only available in the state of tennessee and not all mortgage companies accept all down payment assistance options, so i would research options in your state and then check to see if the programs have a list of preferred lenders and/or loan officers.

this sounds scary, but my loan officer has been a life-saver during this process. generally your loan officer wants to help you succeed, particularly when they know you're a first time home owner. tell your loan officer that you're going to be a first time home owner and you're interested in a $0 down payment program. they can run the numbers and see if you qualify, and if so, how much you can qualify for.

you can have multiple people on the mortgage with you, but everyone on the mortgage has to meet the credit score requirement.

if you do qualify, also talk to your loan officer about how much you can pay per month for a mortgage, too, since this might also impact what price range you're shopping in.

you'll also want a real estate agent. (trust me on this. you want a real estate agent.) my loan officer recommended a real estate agent to me and we quite literally could not have done this without him. your real estate agent does a lot more than just help you find houses to look at. they will also point out things that you might not know to look for and will also help negotiate with the seller for you.

when you talk to your real estate agent, tell them you are using a down payment assistance program and that you will need the seller to cover your closing costs. closing costs, for reference, are a bunch of small expenses that are paid when you officially sign the mortgage. typically both the buyer and the seller have separate closing costs, but it's fairly normal for buyers to ask the seller to pay for their closing costs for them in the current market. your real estate agent can then negotiate for this for you.

if the seller covers your closing costs and you can get approved for down payment assistance, there are only three things you will probably have to pay for out of pocket:

"earnest money." this is a small sum of money you pay to hold the house after the seller accepts your bid. (in our case, we paid $500 for our earnest money.)

the home inspection. our home inspection was also about $500, though the price of this could vary based on where you live.

the home appraisal. for us this was also about $500, though again, this could vary based on where you live.

and that's basically it! obviously talk with your loan officer and real estate agent about the cost of these things bc they might not be the same cost for you as they were for me, but for us, this ended up actually being cheaper than moving into a new apartment!

[kentuckybats]

2024 Kentucky USDA Loan Income Limits for Kentucky Counties  Kentucky USDA loan income limits vary by location and household size 

How to Qualify for a USDA Home Loan in Kentucky

[vamuelle]

If you want to be a home owner please look into local assistance for first time home buyers.

In the US there are special loans for first time home buyers as well as assistance if you want to live in a rural area ( FHA and USDA loans). Special loans are more flexible with minimum down payment and credit score minimums as well as don't have some requirements that Conventional Loans have.

Ie one thing that helped us is Conventional loans require you to work full time consistently in the same field for 2 years. FHA only requires 6 months of employment and a letter explaining your history and to have an income that can afford the loan. I didn't have the work history needed for a Convention Loan.

The Loans, Grants, and Assistance vary state to state and you may have other options if you live in a major city. (Our second grant was only for our area.)

There also may be government backed housing assistance agencies which will help you with going through the process for free or a low payment (our state requires you to do some education with them for the FHA loan, and it was free).

My partner and I recently bought a house with a FHA Loan/Grant and a First Homeowners Grant from our lender (which has the qualifications of being a low income area, low income, as well as first homeowners). We were able to forgo any down payment or closing costs and will be paying less monthly costs then the rentals we were considering month to month.

We still had to pay some things. We paid for inspection, appraisal, insurance upfront, refundable deposit and 1000 dollars at closing.

FHA loans also have the added cost of loan insurance for month to month costs, but overall is still cheaper then renting so 🤷 I am not complaining.

Another thing to expect as a lower income buyer is you likely will only be able to afford fixer uppers so expect to have a lot of initial repair costs as well as maintaining your home over time. There is assistance for those things as well but be careful of loan scams when looking for those.

If you do consider going this route, make sure to be thorough with inspections and negotiate with what you find. It is a lot of upfront costs for something you may not go with, but can save you thousands in the long run. We needed to change out knob and tube in our house and since we found it in the inspection we were able to negotiate 12k from the sellers to fix it rather than paying that out of our pockets later. We also saved over a thousand by getting them to service the neglected HVAC. You're not likely to get a seller to fix everything, but you can save a lot with negotiating.

More homeowners can stabilize communities and help rent to not skyrocket uncontrollably. Especially if the homeowners arent nimbys who only care about their property values and instead actually care about their renting neighbors. Homeowners also have more power in your local politics, so taking advantage of these programs and getting more power to disadvantaged people and communities is so important.

[stevishabitat]

Soil: The Secret Weapon in the Fight Against Climate Change - EcoWatch

www.ecowatch.com

Soil: The Secret Weapon in the Fight Against Climate Change

EcoWatch

7 - 8 minutes

By Claire O’Connor

Agriculture is on the front lines of climate change. Whether it’s the a seven-year drought drying up fields in California, the devastating Midwest flooding in 2019, or hurricane after hurricane hitting the Eastern Shore, agriculture and rural communities are already feeling the effects of a changing climate. Scientists expect climate change to make these extreme weather events both more frequent and more intense in coming years.

Agriculture is also an important — in fact a necessary — partner in fighting climate change. The science is clear: We cannot stay beneath the most dangerous climate thresholds without sequestering a significant amount of carbon in our soils.

Agricultural soils have the potential to sequester, relatively inexpensively, 250 million metric tons of carbon dioxide-equivalent greenhouse gasses annually — equivalent to the annual emissions of 64 coal fired power plants, according to National Academy of Sciences.

But we can’t get there without engaging farmers, turning a source of emissions into a carbon sink. Here are just a few of the ways the Natural Resources Defense Council works to encourage climate-friendly farming:

Creating New Incentives for Cover Crops: Cover crops are planted in between growing seasons with the specific purpose of building soil health. Despite their multiple agronomic and environmental benefits, adoption is low — only about 7% of U.S. farmland uses cover crops. NRDC is working to scale up cover cropping through innovative incentives delivered through the largest federal farm subsidy: crop insurance. We’ve worked with partners in Iowa and Illinois to launch programs that give farmers who use cover crops /acre off of their crop insurance bill. And partners in Minnesota and Wisconsin are exploring similar options. While we’re delighted at the benefit this program has for farmers in those individual states, we’re even more excited about the potential to scale this program to the 350 million acres that utilize subsidized crop insurance nationwide. A recent study suggests that cover crops sequester an average of .79 tons of carbon per acre annually, making cover crops one of the pillars of climate-friendly farming systems.

Supporting Carbon as a New “Agricultural Product”: Championed by Senator Ron Wyden, the 2018 Farm Bill created a new program, the Soil Health Demonstration Trial, that encourages farmers to adopt practices that improve their soil health, and tracks and measures the outcomes. NRDC worked alongside our partners at E2 and a number of commodity groups, farmer organizations, and agribusinesses to secure passage of this provision. The Demonstration Trial will create a new, reliable income stream — farmers will get paid for the carbon they sequester regardless of how their crops turn out, and it builds the data needed for confidence in any future carbon markets. USDA recently announced the first round of awards under this new program, totaling over million in investments to improve soil health. Senator Cory Booker has since drafted legislation that would increase funding for the program nearly 10-fold to 0 million annually; Representative Deb Haaland released a companion bill in the House.

Scaling up Regenerative Agriculture: Regenerative agriculture is an approach to farming that looks to work with nature to rebuild the overall health of the system. Regenerative farmers use a variety of tactics, including reduced chemical inputs, diverse crop and livestock rotations, incorporating compost into their systems, and agroforestry, among others. Our team is in the midst of interviewing regenerative farmers and ranchers to learn more about what’s working for them and what challenges they’ve faced in their shift to a regenerative approach. We’re planning to analyze our interview results and combine them with a literature review to identify what role NRDC could potentially play in helping to scale up regenerative farming and ranching systems. We’ll also be sharing quotes and photos from our interviews on social media every Friday starting in January, so stay tuned for some inspiring farm footage!

Supporting Organic Farmers: Organic agriculture by design reduces greenhouse gas emissions, sequesters carbon in the soil, does not rely on energy-intensive chemical inputs, and builds resiliency within our food system. Practices integrated into organic production will become increasingly more important in the face of a changing climate. NRDC supports organic farmers through policy initiatives like the Organic Farm-to-School program that was introduced in the California legislature last year. In the coming year, we’ll continue to work to support organic farmers in California.

Reducing Food Waste: Food waste generates nearly 3% of anthropogenic greenhouse gas emissions in the U.S., and NRDC is working hard to reduce that number, and improve soil health in the process. Some of our policy proposals include securing passage of date labelling legislation to eliminate confusion about whether food is still good to eat, working with cities to reduce waste and increase rescue of surplus food, and supporting efforts at all levels to increase composting of food scraps. Adding compost to soils improves their ability to sequester carbon, store nutrients, and retain water. Composting food scraps also helps to “close the loop” on organic matter and nutrients by returning them to the agricultural production cycle, rather than sending that organic material to landfills, where it generates methane (a powerful climate pollutant).

Climate-friendly farming also offers a host of important co-benefits. For example, when farmers use complex crop rotations to break weed, pest, and disease cycles, they can reduce the amount of synthetic chemicals they need to use. When they use practices like cover crops, no-till, and adding compost to protect and restore the soil, they reduce the need for synthetic fertilizers that emit greenhouse gasses. And when farmers can reinvest the oppressive amount of money they had been previously spending on expensive, synthetic inputs into the additional labor required to carbon farm, they bring new jobs to economically-depressed rural areas.

Farmers understand better than many of us the harsh realities of climate change, regardless of their opinions about what’s causing those changes. And tight margins and trade wars make the potential of new value streams particularly attractive for farmers right now. By working alongside the farmers and farmworkers who tend the land, we can bring new allies into the fight against climate change, restore the health of our soil, and create a healthy, equitable, and resilient food system.

[libraford]

Hi, I've been following your housing issues and I just wondered if you'd looked into a USDA Rural Development loan? These mortgages are specifically designed for lower income people. All you have to do is fill out the application and they'll let you know if you are accepted and if so, what your budget will be when looking for a house. I couldn't find on your blog if you'd looked into yet. It might be a no go, but it's worth checking out!

I've had the USDA loan suggested to me many times but theres a couple reasons why I haven't done it yet.

The first is that it would require me to move out of the city, away from conveniences that would make it difficult for us as I am the only one with a working car. And country homes are harder to find right now because a lot of them were snatched up during covid. (I was told to look at houses in etna. Literally there are zero houses for sale in etna. It's that bad.)

The second is that most of these programs help with the down payment. I dont need the down payment. Down payment is covered. What I need is for my income to be enough.

It's more important for us to get out of the rental situation we're in now than it is to find a house.

[gcamortgagesblog]

For people wanting to own a house in country places, the USDA Home Loan program is like an awesome chance that only opens for them. It helps such folks reach their dream of becoming homeowners. This blog focuses on key aspects, benefits, and requirements for securing a USDA home loan, aiding home buyers in rural or small areas.

[living400lbs]

Radio aimed at homemakers:

Although broadcast radio was barely a decade old, its signals already covered a broad swath of rural America. Broadcasters soon discovered that they had a captive audience in the multitudes of farm women who were occupied with daily chores at home while their husbands worked in the fields. Big food manufacturers began to sponsor homemaking shows, usually heavy on recipes and running in the morning hours (the precursor to daytime television).

The fictional character of Betty Crocker was invented by one of the flour companies that later became part of General Mills. In 1924, “Betty Crocker” debuted as the narrator of a radio cooking school show, running twice a week at 10:30 a.m.; by 1930 it was heard over forty-three stations nationwide.

Not to be outdone, in 1926 the U.S. Department of Agriculture’s farm radio service debuted a five-day-a-week show called Housekeepers’ Chat hosted by “Aunt Sammy” (presumably some sort of consort to Uncle Sam). On the show, Aunt Sammy sat at the center of a large, somewhat inept family who regularly came to her with questions on everything from how to prepare a Thanksgiving pie to why children needed sunbaths. In reality, she was a folksy vehicle for the USDA’s Bureau of Home Economics to disseminate its expert advice on “nutrition, meal-planning, cooking, clothing, health, house furnishing, gardening, and other kindred subjects.”

From A Square Meal by Jane Ziegelman and Andrew Coe

[rebgarof]

The stability and resilience of the U.S. food system depends on the 21.5 million people who plant, harvest, process, transport, sell and serve our food. In a new letter to members of congress responsible for negotiating the next Food and Farm Bill, more than 100 organizations called for a bill that protects food and farmworkers, making the point that attention to their wellbeing would help ensure the safety and resilience of the nation’s food system. The signers included groups representing farmers, food and farmworkers, labor, rural interests, agriculture and environmental organizations.

The letter, sent today to Senate and House Agriculture Committee Leadership Chairwoman Debbie Stabenow (D-Mich.), Ranking Member John Boozman (R-Ark.), Chairman Glenn “G.T.” Thompson (R-Pa) and Ranking Member David Scott (D-Ga.), called on the committee leaders to include the following provisions in the next Food and Farm Bill:

establishment of a Farmworker and Food Chain Worker Office within the U.S. Department of Agriculture (USDA) to ensure USDA prioritizes farmworkers and food chain workers as a core constituency

funding to help farmworkers prepare for and recover from disruptions to the food and farm economy, such as pandemics and extreme weather

increased federal investment in public research programs to better understand and reduce risks to farmworker health and safety

increased protections for meatpacking workers, whose jobs were among the nation’s most dangerous even before the COVID-19 pandemic hit meat and poultry plants hard

improved access to federal food assistance programs for food and farmworkers, who consistently have some of the highest rates of food insecurity

new standards for USDA food procurement contracts that ensure a living wage for workers

policies that create new pathways for farmworkers to become farm owners.

Farmworkers in particular are exposed to health and safety risks from toxic pesticides, extreme heat and dangerous work environments in the course of their work underpinning a U.S. food and agriculture industry that was valued at $1.264 trillion in 2021. Agriculture has one of the highest fatal occupational injury rates in the nation, and farmworkers die of heat-related causes at roughly 20 times the rate of workers in other civilian jobs. Risks facing farmworkers are growing under climate change, as hotter and more extreme weather increases the risk of heat stress, exposure to wildfire smoke, toxic pesticides and economic insecurity. Low wages, lack of legal protections and insufficient access to health care leave farmworkers uniquely vulnerable to food insecurity, violence, exploitation, and poor health.