FARM Home Loans Act of 2026

This bill amends the Farm Credit Act of 1971 to update and expand provisions related to rural housing financing. It explicitly includes accessory dwelling units (ADUs) within the definition of "appurtenances" for financing purposes, allowing for loans on these structures. Furthermore, the legislation significantly raises the population threshold for communities considered "rural" under the Act, increasing it from 2,500 to 10,000 residents . These changes aim to broaden the types of housing eligible for financing and increase the number of communities and individuals who can access rural housing loans through the Farm Credit System, ultimately facilitating greater availability of home loans in rural markets.