Great New Changes coming for Rural Housing’s ZERO DOWN Program. The Federal Register published Guaranteed Rural Housing Program CFR 3555 to be in effect on September 1, 2014. New: USDA to introduce a construction‐to‐permanent loan feature to encourage construction lending in rural areas. Eliminate restrictions on dwellings with in‐ground pools. Eliminate flood elevation certificates for dwellings located in flood zones. We cover ALL of Oregon. Click “APPLY NOW”