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Single Family Housing Guaranteed Loan Program-Limited Party Concessions

Monday, April 20, 2026

Plain English Summary

The Rural Housing Service (RHS) is changing the rules for the Single Family Housing Guaranteed Loan Program. This change means that real estate commission fees will no longer count against the limits on what interested parties can contribute to a homebuyer’s costs. This update affects agents involved in the program, as they can now include these fees without impacting the contributions from other parties. Agents should review the updated regulations and adjust their practices accordingly.
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The Rural Housing Service (RHS or Agency), an agency of the Rural Development (RD) mission area within the U.S. Department of Agriculture (USDA), proposes to amend the current Single Family Housing Guaranteed Loan Program (SFHGLP) regulation to specify that real estate commission fees are excluded from interested party limitations.