FARM Home Loans Act of 2025

The Fostering the Availability in Rural Markets of Home Loans Act of 2025, also known as the FARM Home Loans Act of 2025, aims to modify rural housing financing provisions within the Farm Credit Act of 1971 . This legislation seeks to broaden the scope of housing options and geographic areas eligible for financial support under the Act. Specifically, the bill amends Section 1.11(b) of the Act to include accessory dwelling units (ADUs) within the definition of eligible "appurtenances" for financing. Furthermore, it significantly expands the population threshold for communities considered "rural" for the purpose of housing financing, raising the limit from 2,500 to 10,000 residents . These changes are intended to increase the availability of home loans in a wider range of rural markets and support diverse housing solutions.