农业部发布农村住房新规：带可出租附属住宅的房产可办USDA担保贷款 12月28日生效
美国农业部（USDA）农村发展署10月29日在华盛顿公布《单一家庭住房担保贷款计划——创收型附属住宅（ADU）条款》终局规则：贷款机构今后可以为带有可出租附属住宅的农村房产提供USDA担保贷款，新规将于2026年12月28日生效。
附属住宅指在同一块住宅用地上附带的小型独立居住单元。按新规，农村购房者在购买带这类可创收附属住宅的房产时，可以申请纳入USDA单一家庭住房担保贷款计划，不再因房产带有创收单元被排除在担保贷款之外。
该计划由农村发展署向获批贷款机构提供90%的贷款担保，符合条件的农村低收入和中等收入家庭可以办理100%融资、零首付贷款。担保贷款可用于购买现有住房、新建住房，以及住房的修复、改善或搬迁重建。
农村发展副部长 Glen Smith 表示，特朗普总统承诺把美国家庭放在首位，其中包括让美国农村居民实现住房梦；让农村购房者能靠附属住宅获得收入，有助于家庭买得起房，也能壮大作为国家根基的小城镇。农村住房服务局局长 George Kelly 表示，农业部农村发展署正通过增加农村居民可负担住房供应的办法，降低购房门槛。
农业部长 Brooke Rollins 领导下的这项规则，是USDA农村住房担保贷款年内又一次扩围。此前本站报道，农业部已扩大农村住房担保贷款委托授权试点、新增六家可全权办结贷款的机构，自12月1日起实施。
USDA Final Rule: Rural Homes With Income-Producing Accessory Dwelling Units Eligible for Guaranteed Loans From December 28
The U.S. Department of Agriculture's Rural Development agency published a final rule on October 29 in Washington, D.C., allowing lenders to offer USDA-guaranteed home loans on rural properties that include an income-producing accessory dwelling unit (ADU). The rule, issued under the Single Family Housing Guaranteed Loan Program, takes effect on December 28, 2026.
An accessory dwelling unit is a small, independent living unit on the same lot as a primary home. Under the new rule, rural homebuyers purchasing a property with such an income-producing unit can finance it through the USDA guaranteed loan program instead of being excluded because the property carries a rental unit.
Through the program, Rural Development provides approved lenders a 90 percent loan guarantee, and eligible low- and moderate-income rural households can obtain 100 percent financing with no money down. Guaranteed loans can be used to buy an existing home, build a new one, or cover the cost of rehabilitating, improving, or relocating a home.
"President Trump promised to put American families first and that includes making the dream of homeownership achievable in rural America," said Under Secretary for Rural Development Glen Smith. "By giving rural homebuyers the flexibility to earn income from an ADU, we're helping families afford a home and strengthen the small towns that are the backbone of this country." Rural Housing Service Administrator George Kelly said USDA Rural Development is committed to reducing barriers to homeownership by increasing the supply of affordable housing for rural residents, under the leadership of President Trump and Agriculture Secretary Brooke Rollins.
The rule is the latest expansion of USDA rural housing guarantees this year. GSM previously reported that USDA widened its delegated-authority pilot for rural housing guaranteed loans, adding six lenders able to fully process loans starting December 1.
来源：GSM·美国（原文链接）
图片来源：图：新墨西哥州 Zuni 的农业部农村发展署自助建房项目住宅（资料图）。USDA 图，Lance Cheung 摄，公共领域，Wikimedia Commons / USDA Rural Development self-help housing in Zuni, New Mexico (file photo). USDA photo by Lance Cheung, public domain, via Wikimedia Commons
