Discover & Purchase Your Dream Home:

Lock Into Affordable Housing!
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Discover the path to affordable housing and realize your dreams in as little as 60 days!
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OUR NEXT LIVE WORKSHOP IS:
02/03/2024 @ 10:00 AM (EST)
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 Buy or Build a Home
Our homeownership programs feature:
✓ No down payment
✓ No private mortgage insurance (PMI)
✓ No requirements for perfect credit score
 ✓ Affordable, fixed-rate financing for up to 100 percent of your loan
✓ The option to include closing costs and repairs in your loan
Am I Eligible?
Eligible applicants must:


Agree to occupy the property as their principle residence


Be able to afford mortgage payments

Not be suspended or disqualified from participation in federal programs


Locate a property in an approved suburban area


Be legally able to acquire a loan obligation

Meet U.S. citizenship or eligible
noncitizen requirements

*Properties must be located in an eligible suburban area, income and loan limits apply. 
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Affordable Housing Made Accessible: Learn, Apply, Succeed
Stable and affordable housing helps small towns across the country stay healthy and prosperous. With our Rural Housing programs, Goshen Community Development Group provides easy-access financing with low interest rates so eligible rural families can buy, repair, or rent a home.

By avoiding large down payments, our low-interest loans help more people become homeowners and begin accruing generational wealth. In some areas, we partner with nonprofit organizations to help families build their own homes, reducing the cost of the mortgage.

Through our homeownership programs, eligible applicants can buy an existing
home, build a new home, prepare lots for home construction, or — under certain circumstances — refinance existing homes. 
For families and individuals with limited incomes, we also offer loans for repairs, or to improve or modernize a home.

Assistance is available to eligible applicants in areas designated as “rural.” By federal law, the definition of a “rural area” differs under each program. 
Service Areas States:

Maryland

Michigan

Delaware

North Dakota

Virginia

Texas

Indiana

West Virginia

Kansas

Georgia

Louisiana

North Carolina

Florida

Oklahoma

Ohio

South Dakota

Alabama

Arkansas

Nebraska

Missouri

Tennessee

Kentucky

Mississippi

How Does the Program Work?
The goal of the Loan program is to help those with limited income buy safe and sanitary housing in suburban and/or rural areas. Payment assistance is available and can be provided to the homebuyer if required. The amount of the subsidy is determined by the family’s adjusted income.

It’s important to note that all or part of the subsidy is required to be repaid by the borrower when the home is sold, or the borrower no longer lives in the home.
Are there any specific requirements for the home?
You can buy an existing single-family home, build a home, relocate a home, or repair and renovate a home. The home:

- Must be modest in size for the area it’s located in
- A market value that doesn’t exceed the area’s loan limit
- Cannot be designed to produce income
What states do you cover?
We currently are presented in 24 states: Maryland, Virginia, Kansas, Florida, Alabama, Tennessee, Michigan, Texas, Georgia, Oklahoma, Arkansas, Kentucky, Delaware, Indiana, Louisiana, Ohio, Nebraska, Mississippi, North Dakota, West Virginia, North Carolina, South Dakota, South Carolina, Missouri. 
Is a down payment required?
A down payment is not typically required, unless you have assets that go over the asset limit. In that case, you might be required to use a portion of those assets for a down payment.
How do I check if a home I’m interested in buying is eligible?
You can visit the website to check a home’s eligibility. Select the housing type at the top of the page, then type in the address and their search tool will tell you if it’s located in an eligible area
What’s the difference between a your programs vs "traditional lenders"?
The primary difference is who is funding the loan. With our loans, the Federal Government itself is the lender. With a traditional "Lender" Loan, a private lender funds the loan and the Government backs it against default.
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