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									Catalog of Loans, Grants and
    Technical Assistance
USDA Rural Development
California State Office

430 G Street, Agency 4169
Davis, CA 95616
(530) 792-5800
(530) 792-5837 fax
(530) 792-5848 TDD

State Director                            Glenda Humiston   (530) 792-5800

Administrative Program Director           Rita Medina       (530) 792-5833

Business & Cooperative Program Director   Chuck Clendenin   (530) 792-5825

Community Programs Director               Janice Waddell    (530) 792-5810

Multi-Family Housing Program Director     Stephen Nnodim    (530) 792-5830

Single Family Housing Program Director    Bob Anderson      (530) 792-5816

Public Information Coordinator            Sarah Pursley     (530) 792-5801
Business and Cooperative Programs
USDA Rural Development’s Rural Business and Cooperative programs deliver a variety of assistance to rural businesses and communities. All of them work in financial partnership
with local economic organizations - banks and lenders, economic development groups, local revolving loan funds, universities, cities, counties, tribes, and cooperatives.

    USDA          PURPOSE              ELIGIBLE            PROGRAM             ELIGIBLE             AUTHORIZED              TYPICAL          RATES AND                   KEYS                   WHEN              WHO
  PROGRAM                             APPLICANTS             TYPE               AREAS                PURPOSES               FUNDING            TERMS                      TO                     TO                TO
                 Program goal                                                                                                                                          SUCCESS                  APPLY           CONTACT
                                     Who can apply            How it            Rural                Use of funds                             Rates can
                                                              works           population                                                       change
Business                                                                    All rural areas      The loans guaranteed                                           Lender-driven: there must                      Local banks
and Industry    Creates incentive
                                     Rural business
                                                          USDA              other than cities    can be used for real
                                                                                                                                           between business
                                                                                                                                                                be a bank willing to make                      and business
Loan            for business                              guarantees        of more than         estate, equipment,        $1 million -                         the loan - (USDA only                          lenders or
                                     owners, banks and                                                                                     and lender - fixed                                 Year-round
                lending that saves                        business loans    50,000 population    working capital, and      $10 million                          guarantees the loan) -                         USDA Rural
Guarantee       and creates jobs
                                     commercial lenders
                                                          made by banks     and their adjacent   refinancing - for
                                                                                                                                           or variable rates
                                                                                                                                                                business must have strong                      Development
                                                                                                                                           with no balloons
                                                                            urbanized areas      nonfarm businesses                                             equity and collateral                          State Office

Intermediary                                                                                     The loans must be
                Capitalizes                               USDA loans                                                       Maximum
                                                                                                 used to set up a loan
Relending       locally-run                               money to a
                                                                            Unincorporated       program to make
                                                                                                                                           1%, 30 years to      Funding is limited, so
Program         revolving loan                            local revolving                                                  loans to re-                                                       with quarterly   USDA Rural
                                                                            areas with less      business loans for real                   relender             these loans tend to go only
(IRP)           programs for                              loan fund for                                                    lenders for                                                        competition      Development
                                                                            than 25,000          estate, equipment,                        for rural business   to loan funds that will
                small businesses                          relending to                                                     business                                                           at national      State Office
                                                                            population           working capital, and                      loans                serve the neediest areas
                unable to qualify    Nonprofit economic   nonfarm                                                          loans up to                                                        level
                                                                                                 refinancing - for
                for bank financing   development          businesses                                                       $150,000
                                                                                                 nonfarm businesses
                                     groups, tribes and
Rural                                public bodies        USDA makes
                                                                                                 The grant can be used
                Supports             (e.g. cities or      grants to local                                                                                       Funding is limited, so
Business        community                                 economic
                                                                                                 to set up a revolving
                                                                                                                                                                these grants tend to go
                                     counties)                                                   loan fund, provide                                                                           Once a year      USDA Rural
Enterprise      economic                                  development                                                                                           only to the neediest areas
                                                                            All rural areas      technical assistance to   $25,000 -                                                          with annual      Development
Grant           development                               programs that
                                                                            other than cities    businesses, develop       $100,000
                                                                                                                                                                - grant funds cannot be
                                                                                                                                                                                              competition      Local or State
(RBEG)          programs that will                        support non-                                                                                          used for regional planning
                                                                            of more than         infrastructure, provide                                                                      at state level   Office
                assist small                              farm                                                                                                  or business attraction
                                                                            50,000 population    job training, or do a
                businesses                                businesses                                                                                            projects
                                                                            and their adjacent   feasibility study
                                                                            urbanized areas
Rural                                                     USDA makes
                                     Universities and     grants to                              Grants are used to
Cooperative     Supports centers
                                     nonprofit economic   centers for                            operate centers that
                                                                                                                                                                Funding is limited, so
Development     to assist                                                                                                                                       these grants tend to go
                                     development          rural                                  assist rural
                cooperatives                                                                                                                                    only to the neediest areas
Grant                                groups               cooperative                            cooperatives
(RCDG)                                                    development
                                     Producers, farmer                                           Value Added:1) change     $50,000 -
Value Added                                               USDA makes                                                       $300,000               Grant
                                     and rancher                                                 in product physical
Producer        Help producer-       cooperatives,
                                                          grants for
                                                                                                 state 2) differentiated
Grants                                                    value added
                owned business       agricultural                                                production or                                                  Priority given to products
(VAPG)                                                    activities;       No limitations                                                                                                    Annual
                ventures add         producer groups,                                            marketing 3) product                                           producing bio-energy
                                                          either planning                                                                                                                     competition
                value to products    and producer-                                               segregation
                                                          or working                                                                                                                          at national
                                     based business                                              4) product produces
                                                          capital                                                                                                                             level
                                     ventures                                                    renewable energy
Renewable                                                 USDA makes
                                                                                                                                                                                                               USDA Rural
Energy and                                                grants to
Efficiency                                                renewable                                                                                                                                            State Office
Grant                                                                                            Eligible renewable        $2,500 -
Program                                                   systems and to                         energy projects include
(Farm Bill -    To purchase                               make energy                            those for which energy                                         The more cost effective
                                                                            All rural areas
Section 9006)   renewable energy                          efficiency                             is derived from wind,                                          the project will be and the
                                                                            other than cities
                systems and          Farmers, ranchers,   improvements                           solar, biomass,                                                more eligible matching
                                                                            of more than
                make energy          and rural business                                          geothermal, or for                                             funds the applicant
Renewable                                                                   50,000 population
                efficiency           owners               USDA makes                             which hydrogen is                                              provides, the more
                                                                            and their adjacent
Energy and      improvements                              loan guarantee                         derived from biomass                                           competitive the application
                                                                            urbanized area
                                                          to purchase                            or water using the                                             will be
Efficiency                                                renewable                              previously stated                         Not to exceed 50%
Loan                                                                                                                       Not to exceed                                                      Year-round
                                                          energy                                 energy sources                            of total eligible
                                                                                                                           $10 million
Guarantee                                                 systems and to                                                                   project cost
Program                                                   make energy
(Farm Bill -                                              efficiency
Section 9006)                                             improvements
Community Programs
USDA Rural Development delivers a variety of assistance to rural communities. Some involve direct assistance by USDA, while others work through local partnerships

    USDA            PURPOSE              ELIGIBLE             PROGRAM            ELIGIBLE          AUTHORIZED                 TYPICAL            RATES AND                   KEYS                  WHEN           WHO
  PROGRAM                               APPLICANTS              TYPE              AREAS             PURPOSES                  FUNDING              TERMS                      TO                    TO             TO
                                                                                                                                                                           SUCCESS                 APPLY        CONTACT
                  Program goal         Who can apply             How it           Rural             Use of funds                                  Rates can
                                                                 works          population                                                         change
Guaranteed                                                                                      The loans guaranteed
                                                                                                can be used for real
Loan              Provide an           Banks and other                                                                                                              Lender-driven: there must
                                                                                                estate and equipment -
(CF Guarantee )   incentive for        commercial lenders                                                                                                           be a bank willing to make
                                                              USDA                              types of projects                              Negotiated                                                      Local banks or
                  commercial           to make loans to                                                                                                             the loan - (USDA only
                                                              guarantees                        include clinics,             $100,000 -        between borrower                                                USDA Rural
                  lending that will    nonprofits, tribes,                                                                                                          guarantees the loan) -
                                                              loans made by                     hospitals, public            $6 million        and lender - fixed                                              Development
                  develop essential    and public bodies                                                                                                            typically, only nonprofit
                                                              banks                             buildings, day care                            or variable rates                                               State Office
                  community            (e.g., cities or                                                                                                             borrowers qualify for CF
                                                                                                centers, fire stations,
                  facilities           counties)                                                                                                                    guarantees
                                                                                                fire trucks, and
                                                                                                recreational facilities

                                                                              Cities, towns,
Community                                                                     unincorporated
Facilities                                                                    areas with less
Direct Loan                                                                   than 20,000                                                                           The loan must be fully
                  Develop essential
(CF Direct )                                                                  population                                     $100,000 -        4.5%-5.5% fixed;     secured by a lien on the
                                                                                                                             $2 million        40 years maximum     property financed or by a
                  facilities                                                                                                                                                                     Year-round
                                                                                                                                                                    pledge of tax revenues

                                       Nonprofits, tribes,
                                       and public bodies
Community         Help communities     (e.g., cities or                                         The loans or grants can
Facilities                             counties)              USDA makes                        be used for real estate
                  that cannot
                                                              loans and                         and equipment - types
Grant             qualify for a CF
                                                                                                of projects include
                  loan pay for the                            grants to                                                                                                                                        USDA Rural
(CF Grant )                                                                                     clinics, hospitals, public
                  cost of developing                          develop                                                                                                                                          Development
                                                              essential                         buildings, day care                                                                                            Local Offices
                                                              community                         centers, and fire
                  community                                                                                                                                         May pay for 15-75% of the
                                                              facilities                        stations or fire trucks
                  facilities                                                                                                                                        project cost depending on
                                                                                                                             $15,000 -               Grant
                                                                                                                                                                    the community’s
Economic                                                                                                                     $40,000
                                                                                                                                                                    population and median
Impact            Help communities                                                                                                                                  household income
                  that have not
Initiative        employed rates in
(EII)             excess of 19.5%
                  develop essential

Distance                                                                                        The funds can be used
Learning and      Support the
                                                                                                for initial capital and
                                                                                                                                               Fixed based on       15% of grant amount          Once a year
Telemedicine                                                                                    hardware costs that will     $50,000-                                                                          USDA Rural
                  development of       Schools, libraries,    USDA makes                                                                       Government cost of   required in non-federal      with annual
                                                                                                enhance                      $300,000 for                                                                      Development
Loan and          telemedicine and     nonprofit hospitals,   loans and                                                                        funds;               matching funds - grants      competition
                                                                                                telecommunication            grants - no                                                                       State Office
                  distance learning    clinics, and tribes    grants                                                                           10 years and/or      are only made available to   at national
Grant             systems
                                                                                                capabilities for either      limit for loans
                                                                                                                                               Grant                the neediest applicants      level
(DLT)                                                                                           public education or
                                                                                                medical purposes
Community Programs
USDA Rural Development delivers a variety of assistance to rural communities. Some involve direct assistance by USDA, while others work through local partnerships

    USDA              PURPOSE              ELIGIBLE                PROGRAM              ELIGIBLE              AUTHORIZED                TYPICAL          RATES AND                  KEYS                  WHEN           WHO
  PROGRAM                                 APPLICANTS                 TYPE                AREAS                 PURPOSES                 FUNDING            TERMS                     TO                    TO             TO
                                                                                                                                                                                  SUCCESS                 APPLY        CONTACT
                   Program goal          Who can apply                How it             Rural                 Use of funds                               Rates can
                                                                      works            population                                                          change
Water and
Waste                                                             USDA makes                                                                                                Loans must be fully
                   Develops and
Disposal           repairs water,
                                                                  loans              Cities, towns,                                                                         secured by revenues or
Loan and                                                          (sometimes         unincorporated                                                    Loans: below         assessments - grants
                   sewer, storm                                                                                                        $1 million -
                                                                  with grants) for   areas with less                                                   market, fixed, 40    focus on neediest
Grant (WWD         drainage, and
                                                                  water and          than 10,000
                                                                                                                                       $3 million
                                                                                                                                                       years, also grants   applicants, depending on
Loan and Grant )   solid waste                                                                             Eligible projects include
                                                                  waste disposal     population                                                                             population, income, and
                   systems               Public bodies,                                                    water, sewer, solid
                                                                  facilities                                                                                                health factors
                                         tribes, and                                                       waste and storm
                                         nonprofits (cities,                                               drainage systems -
                                         water districts,                                                  both new and repair
Colonias and                             mutual water                                                      projects - for domestic
Native             Helps especially
                                         companies)                                  Designated            and industrial users
                   needy border and
American           Native American
                                                                  USDA makes         “Colonias” within     (excludes irrigation)
                                                                                                                                                                            Grant amount depends on
Grants                                                            grants for         150 miles of US-
                   communities pay                                                                                                     $100,000 -                           community population,
                                                                  water and          Mexico Border                                                            Grant                                     Year-round
                   for all or part of                                                                                                  $500,000                             income, and health and
                                                                  waste disposal     and Native
                   the cost of water                                                                                                                                        safety factors
                                                                  facilities         American
                   and waste
                   disposal facilities

Loan               Loans for cost of                                                 Any rural
                   construction,                                                     community that is
                   improvement, and                               USDA makes         an incorporated                                                   Direct cost of       Applicant must present a
                                         limited liability co.,                                            To provide broadband                                                                                       USDA Rural
                   acquisition of                                 loans for          or unincorporated                                 $11 million -   money to             good business plan and
                                         cooperatives, tribes                                              service                                                                                                    Development
                   facilities and                                 broadband          place in the                                      $80 million     government. Below    have a 20% credit support
                                         and public bodies                                                                                                                                                            Local Offices
                   equipment for                                  facilities         United States with                                                market rates
                   broadband                                                         less than 20,000
                   services                                                          in population

Community                                                                            Any rural
                                                                                     community that
Connect                                                                              has no existing
Grants                                                                               residential
                                                                                     service whose
                                                                                     population is less
                                         Incorporated                                than 20,000. The
                   Grants for cost of    organization, tribe                         applicant must                                                    Applicant must       Applicants should show
                                                                                                                                                                                                        Once a year
                   construction of       or tribal                USDA makes         provide               To provide broadband                        provide a 15%        proof of community
                                                                                                                                                                                                        with annual
                   facilities and        organization,            grants for         broadband             services to both            $200,000 -      matching cost or     support and involvement.
                   equipment for         cooperatives,            broadband          service to all        residential and             $2 million      equivalent in kind   Applicants are only made
                                                                                                                                                                                                        at national
                   broadband             limited liability co.    facilities         critical facilities   businesses                                  equipment.           to the neediest
                   services              state and local                             and establish a                                                                        communities
                                         government                                  community center
                                                                                     with 10
                                                                                     offering free high
                                                                                     speed internet
                                                                                     (200Khz or
                                                                                     greater) to the
Single Family Housing Programs
USDA Rural Development’s Single Family Housing programs deliver a variety of assistance to support the housing needs of rural people. Most involve direct assistance by USDA,
while others work through local partnerships.

    USDA                PURPOSE              ELIGIBLE           PROGRAM           ELIGIBLE             AUTHORIZED                 TYPICAL          RATES AND                   KEYS                  WHEN          WHO
  PROGRAM                                   APPLICANTS            TYPE             AREAS                PURPOSES                  FUNDING            TERMS                      TO                    TO            TO
                                                                                                                                                                             SUCCESS                 APPLY       CONTACT
                      Program goal         Who can apply          How it           Rural                Use of funds                                 Rates can
                                                                  works          population                                                           Change
Family                                                                                                                           $90,000-
                                                                                                                                                 5.0% fixed           Applicants must have
Housing               Creates option for                                                                                         $190,000; up
                                                               USDA makes                                                                        (or lower if         good credit and stable                    USDA Rural
                      low income           Low and very low                                                                      to 100% of
Direct Loan           people to buy a      income people
                                                               loan to home-
                                                                                                                                 the market
                                                                                                                                                 subsidized);         income adequate to repay                  Development
(502 Loan)                                                     buyers                                                                            33-38 years          the loan - Self-Help                      Local Offices
                      modest home                                                                                                value of the
                                                                                                                                                                      program available

Family                Enhances ability
                                                               USDA                                                                              Mortgage lender’s
Housing               of mortgage                                                                                                $90,000-                             Mortgage lender loans                     Participating
                                                               participates                                                                      loan is fixed; 30
                      lenders to make                                                                                            $190,000; up                         20+% of purchase price;                   mortgage
Participation         loans so low-
                                                               with a local
                                                                                                    Buy and perform              to 100% of
                                                                                                                                                 years; USDA’s is
                                                                                                                                                                      USDA loans the rest -                     lender, or
Loan                                       Low income people   mortgage                                                                          5.0% fixed
                      income people                                                                 needed repairs on new        the market                           applicants must have good                 USDA Rural
                                                               lender in                                                                         (or lower if
(502 Participation)   have option to                                                                or existing homes -          value of the                         credit and stable income                  Development
                                                               financing a                                                                       subsidized);
                      buy a modest                                                                  100% financing - no          home                                 adequate to repay the loan                Local Office
                                                               home                                                                              33-38 years
                      home                                                                          down payment required

Housing                                                                        Unincorporated                                                                         Lender-driven: participant
                      Creates incentive                        USDA                                                                              Mortgage lender’s                                              Participating
                                                                               areas, cities with                                $290,000;                            lenders make the loan -
Guaranteed            for mortgage         Mortgage lenders    guarantees
                                                                               less than10,000                                   up to 100% of
                                                                                                                                                 interest rate is
                                                                                                                                                                      (USDA guarantees the
Loan                  lender to make       making loans to     home loan                                                                         negotiated but is                                              lender, or
                                                                               population, and                                   the market                           loan) - applicants need
(502 Guarantee)       home loans to low    low and moderate    made by                                                                           fixed; 30 years;                                               USDA Rural
                                                                               some cities with                                  value of the                         good credit, stable income   Year-round
                      and moderate         income people       mortgage                                                                          guarantee fee                                                  Development
                                                                               less than 25,000                                  home                                 adequate for loan
                      income people                            lenders                                                                           applies                                                        State Office
                                                                               population and                                                                         repayment
                                                                               not part of an
                                                                               urban area

Housing                                                                                                                                                               Applicant must have
Repair Loan           Modernizes or                            USDA makes
                                           Very low income                                                                                                            limited resources and be
                      repairs a modest                         loan to home                                                      $20,000         1%, 20 year
(504 Loan)                                 people                                                                                                                     unable to get credit
                      home                                     owners

                                                                                                    Install or repair water or
                                                                                                    sewer hook-ups,                                                                                             USDA Rural
Single                                                                                              roofing, insulation,                                                                                        Development
Family                                                                                              other improvements or                                                                                       Local Offices
                                                                                                    to repair basic defects
                      Rehabilitates                                                                                                              Grant recipient
Repair Grant          substandard
                                           Very low income
                                                               USDA gives                                                                        must live in
                                                                                                                                                                      Applicant must have
(504 Grant)                                people who are 62                                                                                                          limited resources - 504
                      housing to a safe,                       grant to home                                                     $7,500          dwelling 3 years
                                           years of age or                                                                                                            Grant and Loan may be
                      decent and                               owners                                                                            after the grant is
                                           older                                                                                                                      combined
                      sanitary condition                                                                                                         made
  Multi-Family Housing Programs
  USDA Rural Development’s Multi-Family Housing programs deliver a variety of assistance to support the housing needs of rural communities. Most involve direct assistance by
  USDA, while others work through local partnerships. This section includes Farm Labor Housing and Housing Preservation programs.

     USDA              PURPOSE              ELIGIBLE               PROGRAM             ELIGIBLE              AUTHORIZED                 TYPICAL         RATES AND                     KEYS                   WHEN           WHO
   PROGRAM                                 APPLICANTS                TYPE               AREAS                 PURPOSES                  FUNDING           TERMS                        TO                     TO             TO
                                                                                                                                                                                    SUCCESS                  APPLY        CONTACT
                    Program goal          Who can apply               How it            Rural                 Use of funds                               Rates can
                                                                      works           population                                                          Change
Rural Rental                              Individuals,
Housing Direct      Develops new          corporations,
                    rental or             associations,                             Colonia, tribal                                                                                                        Once a year
Loan                cooperative           partnerships,                             land, EZ, EC or
                                                                                                                                                      1% fixed (using
                                                                                                                                                                                                           with annual
(515 Loan)                                                         USDA makes                             Develop new rental           $1,000,000     interest credit);
                    housing and           trusts, tribes, public                    REAP zones,                                                                              Limited funding               competition
                                                                   direct loan                            housing                      maximum        30 years with 50-
                    related facilities    or private                                California list of                                                                                                     at national
                                                                                                                                                      year amortization
                    for low income        organizations,                            designated places                                                                                                      level
                    tenants               consumer
Guaranteed          Creates               A legal citizen of
                                                                                    Cities, counties                                                  Negotiated             Lender-driven: Lender
Rural Rental        incentives and        the United States,
                                                                                    and areas with                                                    between borrower       must be willing to make
                    shares in the risks   a non-profit, for-                                              Loans for new
Housing Loan        for commercial        profit entity, banks     USDA
                                                                                    less than 10,000
                                                                                                          construction, purchase       No maximum
                                                                                                                                                      and lender. (USDA      the loan - (USDA’s
(GRRH 538 Loan)                                                                     population and                                                    may provide            Guarantee serves as an        Year-round
                    lenders to            and other lenders        guarantees the                         and rehabilitation/          or minimum
                                                                                    some cities and                                                   interest credit to     enhancement to the
                    develop/repair        making loans to          lenders loan                           renovation of existing       amount
                                                                                    areas with less                                                   reduce the effective   lenders loan increasing the
                    apartments for        developers, tribes                                              apartments
                                                                                    than 25,000                                                       interest rate)         borrowers ability to obtain
                    low and moderate      or public agencies
                                                                                    population                                                                               favorable loan terms)
                    income tenants
Farm Labor                                                                                                                             $3 million
Housing Direct      To increase the                                                                                                    (total loan
Loan and/or                                                                                                                                                                  Competitive program,
                    number of             Nonprofit limited                                               Construction of new off-     and grant).
                                                                                                                                                      Loan- 1% fixed; 33     USDA may provide tenant
Grant for Off-      available off-farm    partnerships with        USDA makes                             farm FLH units and           Limited
                                                                                                                                                      years                  specific rental assistance
Farm Housing        housing units for     NP GP, non-profits,      direct loan      No restriction        related facilities for       partnerships
                                                                                                                                                                             and/or operating
                    year-round and        tribes, public           and/or grant                           year-round and migrant       with NP GP
(514/516 Loan and                                                                                                                                     Grant- 33 years        assistance for eligible
                    migrant domestic      agencies                                                        domestic farm laborers       are not
Grant)                                                                                                                                                                       projects                                    USDA Rural
                    farm laborers                                                                                                      eligible for
                                                                                                                                       Section 516
                                                                                                                                                                                                                         State Office
Housing             Supports repair
                    and rehab                                                                                                                                                                              Once a year
Preservation        programs that                                                                                                                                                                          with annual
Grant               correct safety and                                                                                                                                                                     competition
(HPG 533 Grant)     health hazards,                                                                                                                                                                        at national
                    comply with                                                                           Any program that offers                                                                          level
                                                                                    Rural areas, cities
                    development                                    USDA makes                             affordable assistance
                                                                                    with less                                                                                Competitive program -
                    standards or                                   grant to                               (loans, grants,
                                          Nonprofits, tribes,                       than10,000                                                                               preference is given to
                    codes, or needed                               support local                          subsidies, technical         $60,000 -
                                          and public                                population and                                                           Grant           projects with matching
                    repairs to improve                             housing                                assistance, etc.) to         $150,000
                                          agencies                                  some cities with                                                                         funds and targeting very
                    general living                                 rehabilitation                         repair low income
                                                                                    less than 5,000                                                                          low income rural persons
                    conditions for                                 projects                               housing
                    housing or rental
                    occupied by very
                    low and low
                    income rural
Farm Labor
Housing Loan                                                                                                                           Maximum
                    Provide housing       Individual farmers,                                             Construction of new on-
                                                                                                                                       loan is 100%                          Non-competitive program.
for On-Farm         for both year-        farm partnerships,                                              farm housing or
                                                                   USDA makes                                                          of total                              Projects funded on a first-
                    round and             farm corporations                         No restriction        acquisition and                             1% fixed; 33 years                                   Year-round
Housing             migrant domestic      and farm
                                                                   direct loan
                                                                                                          rehabilitation of existing
                                                                                                                                       project                               come, first-serve basis
(514 Loan)                                                                                                                             development                           until funds are exhausted
                    farm laborers         associations                                                    on-farm housing
Special Initiatives in California
USDA Rural Development has established a number of special initiatives to target its assistance to rural communities with the greatest need.

                                                                 Description                                                                      Assistance / Contact
Communities                  Multi-Family and Single Family housing and utilities development assistance for             USDA gives higher priority in allocating these program funds - contact USDA
                             “Colonias” within 150 miles of US - Mexico border                                           Rural Development local offices

Empowerment Zone /
Enterprise Community         Multi-program assistance for competitively selected communities demonstrating               USDA devotes funds in nearly every program to assist EZ/EC communities -
(EZ/EC)                      superior cooperation, planning and vision - rural EZ/ECs are in Fresno and Tulare           contact Violet Gomes at 831-757-5294
                             Counties and eastern Riverside County

Champion Communities
(CC)                         Multi-program assistance for EZ/EC applicant communities that were not selected but         USDA gives Champion Communities priority in allocating rural program funds
                             are continuing to work toward their vision                                                  - contact Violet Gomes at 831-757-5294

Self-Help Housing
Program                      Low and very low-income applicants participate with their neighbors in the construction     Significant 502 loan funds are reserved for Self-Help subdivisions every year -
(Self-Help)                  of their homes, fostering pride-of-ownership while reducing their home loans to a more      contact Bob Anderson at 530-792-5816
                             affordable level

Community Adjustment
and Investment Initiative    Supplemental USDA business program funding for counties suffering job losses from           Extra B&I Guaranteed Loan funds are available to support business projects in
(CAIP)                       NAFTA (North American Free Trade Agreement)                                                 these designated areas - contact Larry Strong at 530-885-6505 ext. 4

First Responder
Initiative                   Grants available for real estate and equipment for homeland security, public safety, fire   USDA gives priority to first responder projects - contact USDA Rural
                             protection and healthcare                                                                   Development local offices

Faith-Based Community
Initiative                   Faith-based organizations receive equal treatment when competing for federal funding        USDA gives equal treatment to faith-based organizations - contact USDA
(FBCI)                       opportunities                                                                               Rural Development local offices
USDA Rural Development - California

                Office:                                  Address (city is office):                               Phone:                             Fax:

Area I: Glenn, Lassen, Modoc, Plumas, Shasta, Siskiyou, Tehama, Trinity Counties
Roger J. Trindade, Area Director                                                                                 (530) 226-2560 x4                  (530) 226-2567
                Redding Area Office                      3644 Avtech Parkway, Suite A, 96002-9241                (530) 226-2560                     (530) 226-2567
                Alturas                                  808 West 12th Street, 96101-3211                        (530) 233-4615                     (530) 233-8869
                Yreka                                    215 Executive Court, Suite. B 96097-2692                (530) 842-6123 x4                  (530) 842-1027

Area 2: Alpine, Amador, Butte, Calaveras, Colusa, Contra Costa, El Dorado, Mono, Nevada, Placer, Sacramento, San Joaquin, Sierra, Solano, Sutter, Yolo, Yuba Counties
Ron Tackett, Area Director                                                                                       (530) 533-4401 x4                  (530) 533-4936
                Oroville Area Office                     150-D Chuck Yeager Way, 95965-5791                      (530) 533-4401 x4                  (530) 533-4936
                Auburn                                   251 Auburn Ravine Rd., Ste. 107, 95603                  (530) 885-7081 x4                  (530) 823-5504
                Elk Grove                                9701 Dino Dr., Ste. 170, 95624-4042                     (916) 714-1104 x4                  (916) 714-1118

Area 3: Alameda, Del Norte, Humboldt, Lake, Marin, Mendocino, Monterey, Napa, San Benito, San Francisco, San Mateo, Santa Clara, Santa Cruz, Sonoma Counties
Al Aiello, Area Director                                                                                         (707) 526-6797 x4                  (707) 526-8942
                Santa Rosa Area Office                   777 Sonoma Ave., E St. Annex, 95404                     (707) 526-6797 x4                  (707) 526-8942
                Eureka                                   5630 South Broadway, 95503-2027                         (707) 443-6714 x4                  (707) 442-7514
                Salinas                                  744-A La Guardia St., 93905                             (831) 757-5294 x4                  (831) 424-7289

Area 4: Fresno, Madera, Mariposa, Merced, Stanislaus, Tuolumne Counties
Richard Brassfield, Area Director                                                                                (559) 276-7494 x4                  (559) 276-1791
                Fresno Area Office                       4625 W. Jennifer St., Ste. 126, 93722                   (559) 276-7494 x4                  (559) 276-1791
                Merced                                   2135 Wardrobe Ave., Ste. A, 95340-6490                  (209) 722-4119 x4                  (209) 725-2964
                Modesto                                  3800 Cornucopia Way, Ste. E 95358                       (209) 491-9320 x4                  (209) 491-9331

Area 5: Inyo, Kern, Kings, San Luis Obispo, Santa Barbara, Tulare, Ventura Counties
Mike Carnes, Area Director                                                                                       (559) 734-8732 x4                  (559) 732-3481
                Visalia Area Office                      3530 W. Orchard Ct., 93277-7360                         (559) 734-8732 x4                  (559) 732-3481
                Bakersfield                              1601 New Stine Rd., Ste. 280, 93309-3698                (661) 336-0967 x4                  (661) 336-0857
                Santa Maria                              920 E. Stowell Road, 93454-7008                         (805) 928-5340 x4                  (805) 928-9644

Area 6: Imperial, Los Angeles, Orange, Riverside, San Bernardino, San Diego Counties
John Jebian, Area Director                                                                                       (760) 342-4624 x4                  (559) 347-4074
                Indio Area Office                        82-901 Bliss Ave., 92201                                (760) 342-4624 x4                  (760) 347-4074
                El Centro                                177 N. Imperial Ave., 92243-2808                        (760) 352-4418 x4                  (760) 352-0219
                Moreno Valley                            22690 Cactus Ave., Ste. 280, CA 92553-9035              (951) 656-6800                     (951) 656-0094
"The U.S. Department of Agriculture (USDA) prohibits discrimination in all its programs and activities on the basis of race,
color, national origin, age, disability, and where applicable, sex, marital status, familial status, parental status, religion,
sexual orientation, genetic information, political beliefs, reprisal, or because all or a part of an individual's income is
derived from any public assistance program. (Not all prohibited bases apply to all programs.) Persons with disabilities who
require alternative means for communication of program information (Braille, large print, audiotape, etc.) should contact
USDA's TARGET Center at (202) 720-2600 (voice and TDD). To file a complaint of discrimination write to USDA, Director,
Office of Civil Rights, 1400 Independence Avenue, S.W., Washington, D.C. 20250-9410 or call (800) 795-3272 (voice) or
(202) 720-6382 (TDD). USDA is an equal opportunity provider and employer."

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