loans.usda538Published by usda538.loansOfficial publisherv1.2026.1102.0Updated Nov 3, 2026
USDA rural eligibility, Section 538 income limits, 538 loans and lenders, 515 rentals.
Open Country: USDA Section 538 and 515 data's hosted MCP server (usda538.loans), published by usda538.loans; no sign-in required; Streamable HTTP; 6 tools.
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{
"mcpServers": {
"open-country-usda-section-538-and-515-da": {
"type": "http",
"url": "https://usda538.loans/mcp"
}
}
}USDA rural eligibility for an address
Checks one US street address against USDA Rural Development's ineligible-area map for its single family and multifamily housing programs (which governs Section 538): eligible or not on the current map, the proposed 2020-census map and the previous map, plus the matched address, county and place (Census Bureau geocoder, or OpenStreetMap and the FCC when Census does not answer).
addressrequiredSection 538 income limits and rent caps
FY2026 USDA Section 538 income limits (115% of area median income, 1 to 8 persons, effective July 13, 2026) for a county or USDA area in one state, with the per-unit rent cap (30% of the limit / 12) and the approximate project-average cap. Without county or area, lists every area in the state, paged.
arealimitstaterequiredcountyoffsethousehold_sizeSection 538 loans in a state
USDA's public Section 538 guaranteed loans in one state (file as of October 19, 2026): count, total amount, apartments, tax credit deals, median loan-to-cost and lenders, then loan rows (project, city, lender, closing date, amount, loan-to-cost, units, rents) newest first, paged and filterable by lender or fiscal year.
limitstaterequiredlenderoffsetmin_fiscal_yearSection 538 lenders nationwide
National Section 538 lender table from USDA's public file (as of October 19, 2026): each lender's loan count, total loan amount and latest fiscal year, ranked by loan count, plus the total portfolio and how many loans each state has. Paged.
limitoffsetUSDA Section 515 and 514 rentals in a county
Active USDA Section 515 rural rental and 514 farm labor housing properties in one county from USDA's file (as of October 19, 2026): name, address, housing type, bedroom mix, units, rental assistance units, recorded vacancies, accessible units, opening year, restriction end date and management company. Optional town filter; paged.
citylimitstaterequiredcountyrequiredoffsetSize a Section 538 guaranteed loan
Sizes a USDA Section 538 loan the way the site's loan sizer does: the 90% (for-profit) or 97% (nonprofit or public) cap on the lower of cost or value against the DSCR cap (1.15x default), with NOI, debt service, loan-to-cost and the 2026 guarantee fees. Arithmetic on your inputs, not a quote.
dscrunitsrequiredborrowervacancy_pctfee_categoryappraised_valuerequiredinterest_rate_pctrequiredamortization_yearsopex_per_unit_yearrequiredrent_per_unit_monthrequiredtotal_development_costrequiredother_income_per_unit_month83% of the applicable checks met
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