Helping Optimize Markets and Encourage Generational Resilience through Ownership, Workmanship, and Nurturing Soil Health Act or the HOMEGROWN Soil Health Act This bill establishes a Department of Agriculture (USDA) pilot program to offer 90-year, zero-interest loans to farmers to purchase up to 160 acres of land to grow certain crops (i.e., fruits or vegetables, tree nuts, dried fruits, horticulture, or nursery crops). Loans must be made to recipients in five U.S. regions (selected by USDA), and the loan recipients in each region must all be located within a single 100-mile radius.