Rural home loan guarantees can cover homes with rental accessory dwelling units
The Rural Housing Service lifts its ban on guaranteeing loans for homes with one or more income-producing accessory dwelling units, and for homes designed for a home business, such as childcare, that needs no commercial features. Properties used mainly to earn income stay ineligible, and lenders still may not count expected unit rent as income.
Who it affects
Rural homebuyers, guaranteed loan lenders and the Rural Housing Service
When
This rule takes effect on December 28, 2026.
- : Published in the Federal Register
- : This rule takes effect
Official text
FR Doc. 2026-22038: Single Family Housing Guaranteed Loan Program-Income Producing Accessory Dwelling Unit (ADU) Provisions
On Federal Register. The official text is what counts; read it before you act.
Not legal advice. Plain-English summaries to help you find what changes and when. Not legal advice: read the official text, and ask a lawyer about your situation.