 The U.S. Department of Agriculture (USDA) today announces changes to the Farm Service Agency’s (FSA) Farm Loan Programs, effective Sept. 25, 2024 — changes that are intended to increase opportunities for farmers and ranchers to be financially viable. These improvements, part of the Enhancing Program Access and Delivery for Farm Loans rule, demonstrate USDA’s commitment to improving farm profitability through farm loans designed to provide important financing options used by producers to cover operating expenses and purchase land and equipment.
Farm loan policy changes outlined in the Enhancing Program Access and Delivery for Farm Loans rule, are designed to better assist borrowers to make strategic investments in the enhancement or expansion of their agricultural operations.
The three most notable policy changes include:
- Establishing a new low-interest installment set-aside program for financially distressed borrowers. Eligible financially distressed borrowers can defer up to one annual loan installment per qualified loan at a reduced interest rate, providing a simpler and expedited option to resolve financial distress in addition to FSA’s existing loan servicing programs.
- Providing all eligible loan applicants access to flexible repayment terms that can increase profitability and help build working capital reserves and savings. By creating upfront positive cash flow, borrowers can find opportunities in their farm operating plan budgets to include a reasonable margin for increased working capital reserves and savings, including for retirement and education.
- Reducing additional loan security requirements to enable borrowers to leverage equity. This reduces the amount of additional security required for direct farm loans, including reducing the frequency borrowers must use their personal residence as additional collateral for a farm loan.
Additional Farm Loan Program Improvements
Under the Biden-Harris Administration, USDA’s FSA has embarked on a comprehensive and systemic effort to ensure equitable delivery of Farm Loan Programs and improve access to credit for small and mid-size family farms. FSA has also included additional data in its annual report to Congress to provide information that Congress, stakeholders, and the general public need to hold USDA accountable on the progress that has been made in improving services to underserved producers. This year’s report shows FSA direct and guaranteed loans were made to a greater percentage of young and beginning farmers and ranchers, as well as improvements in the participation rates of minority borrowers. The report also highlights FSA’s microloan program’s new focus on urban agriculture operations and niche market lending, as well as increased support for producers seeking direct loans for farm ownership in the face of increasing land values across the country.
FSA has a significant initiative underway to streamline and automate the Farm Loan Program customer-facing business process. For the over 26,000 producers who submit a direct loan application annually, FSA has made several impactful improvements including:
- The Loan Assistance Tool that provides customers with an interactive online, step-by-step guide to identifying the direct loan products that may be a fit for their business needs and to understanding the application process.
- The Online Loan Application, an interactive, guided application that is paperless and provides helpful features including an electronic signature option, the ability to attach supporting documents such as tax returns, complete a balance sheet, and build a farm operating plan.
- An online direct loan repayment feature that relieves borrowers from the necessity of calling, mailing, or visiting a local USDA Service Center to pay a loan installment.
- A simplified direct loan paper application, reduced from 29 pages to 13 pages.
USDA encourages producers to reach out to their local FSA farm loan staff to ensure they fully understand the wide range of loan and servicing options available to assist with starting, expanding, or maintaining their agricultural operation. To conduct business with FSA, please contact your local USDA Service Center.
FSA helps America’s farmers, ranchers and forest landowners invest in, improve, protect and expand their agricultural operations through the delivery of agricultural programs for all Americans. FSA implements agricultural policy, administers credit and loan programs, and manages conservation, commodity, disaster recovery and marketing programs through a national network of state and county off ices and locally elected county committees. For more information, visit, www.fsa.usda.gov.
USDA touches the lives of all Americans each day in so many positive ways. In the Biden-Harris administration, USDA is transforming America’s food system with a greater focus on more resilient local and regional food production, fairer markets for all producers, ensuring access to safe, healthy and nutritious food in all communities, building new markets and streams of income for farmers and producers using climate smart food and forestry practices, making historic investments in infrastructure and clean energy capabilities in rural America, and committing to equity across the Department by removing systemic barriers and building a workforce more representative of America. To learn more, visit www.usda.gov.
The USDA’s Animal and Plant Health Inspection Service (APHIS) has confirmed the detection of Highly Pathogenic Avian Influenza, subtype H5N1, in dairy cattle in 12 states. To protect our livestock industry from the threat posed by H5N1, USDA is taking a number of actions with our federal partners—one of them being a significant update to the Emergency Assistance for Livestock, Honeybees, and Farm-raised Fish Program (ELAP).
Those of you who incur milk losses in their dairy herds due to H5N1 can now apply for financial assistance through ELAP. USDA’s Farm Service Agency (FSA) expanded ELAP policy through the rule-making process; this expansion assists with financial losses resulting from reduced milk production when cows are removed from commercial milking in dairy herds with a confirmed positive H5N1 test. Positive tests must be confirmed through APHIS’s National Veterinary Services Laboratories (NVSL).
So, in this Ask the Expert, Dr. Julie Gauthier – Executive Director of Veterinary Services’ Field Operations and Policy Liaison for the dairy cattle HPAI response, answers questions about H5N1 in the United States, its current effects in our dairy industry, and the process and importance of testing your cows to help protect them, your operation, and the dairy industry as a whole. Read full interview here.
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 Looking for ways to do business with USDA that saves you time? Look no further than farmers.gov.
When you create an account for the farmers.gov authenticated customer portal, you have access to self-service features through a secure login. Managing your business with USDA’s Farm Service Agency (FSA) and is faster than ever. From e-signing documents, viewing, printing, and exporting maps and receiving notifications of payment disbursements, a farmers.gov authenticated account makes doing business with USDA easy and secure.
What can you do with your farmers.gov account?
- View FSA Farm Loan information including interest payments, loan advances, payment history and paid-in-full/restructured loans.
- Make USDA direct farm loan payments using the the Pay My Loan feature.
- Access the Online Loan Application portal.
- View, print and export detailed FSA farm records and farm/tract maps.
- Import precision agriculture planting boundaries, create labels containing crop information, and print both on farm tract maps.
- View and print your FSA-156EZ with farm details
- View and print your Producer Farm Data Report
- View NRCS Disbursements and Farm Loans financial activity from the past 180 days.
- View your land, access NRCS data on your conservation plans, contracts, and planning land units through the Conservation Land Area page.
- View, upload, download and e-sign NRCS documents.
- Request NRCS conservation and financial assistance, including submitting a program application.
- View detailed information on all previous and ongoing NRCS contracts, including the amount of cost- share assistance received and anticipated; and even request contract modifications, report practice completion and request practice certification.
- “Switch Profiles” to act on behalf of your entity or another individual when you have active representative authority on file
If you’d like to see the features in action and learn more about how to use them, check out the 3-5 minute farmers.gov account video tutorials.
How do you create a farmers.gov account?
Visit farmers.gov/account to access information about farmers.gov accounts and sign in to the site’s authenticated portal. You will need a Login.gov account linked to your USDA customer record to access your farmers.gov authenticated site. Customers who are new to USDA should visit Get Started at Your USDA Service Center, then go to farmers.gov/account to create a farmers.gov account.
To create a farmers.gov account you will need:
- A USDA individual customer record — A customer record contains information you have given to USDA to do business with them, like your name, address, phone number, and any legal representative authority relationships. Contact your local USDA Service Center to make sure you have an individual USDA customer record on file and your information is up to date.
- A Login.gov account — Login.gov is a sign-in service that gives people secure online access to participating government programs. You can create a Login.gov account linked to your customer record by following the directions on farmers.gov/account.
- Identity Verification — You can choose to verify your identity with Login.gov or in-person at a USDA Service Center.
In addition to the self-service features, farmers.gov also has information on USDA programs, farm loans, disaster assistance, conservation programs and crop insurance.
 The U.S. Department of Agriculture (USDA) now provides financial assistance to help Connecticut agricultural producers replace older high-emitting diesel tractors and non-tractor on-farm agricultural equipment with new cleaner-burning or electric equipment.
USDA’s Natural Resources Conservation Service (NRCS) has expanded its combustion system improvement practice to provide financial assistance to producers to replace old high-emitting diesel engine tractors and other mobile on-farm equipment (loaders, forklifts, motor graders and backhoes) with either low-emitting diesel or electric equipment. Financial assistance is also available to help producers replace other higher-emitting combustion devices, such as irrigation engines, boilers, heaters, and orchard/vineyard frost protection equipment with cleaner-burning or non-burning alternatives.
The combustion system improvement practice (Conservation Practice Standard 372) offered by NRCS is one of the many conservation practices available to producers through the Environmental Quality Incentives Program (EQIP).
The amount of financial assistance available to producers for the combustion system improvement practice is dependent upon the type of equipment being replaced and what it is being replaced with (i.e., new cleaner diesel or electric). Specific payment rates are reviewed, added and/or revised each year to incentivize the adoption of conservation technologies and approaches.
In order to receive assistance, producers using the practice are required to document the destruction and proper disposal of their existing equipment being replaced to prevent the old units from continued operation, reuse or movement into another locale.
Electric on farm-equipment, including tractors, have zero on-farm emissions and would represent a significant reduction in air emissions from diesel-powered equipment and provides opportunities for producers to save energy. Replacing high-emitting diesel tractors or other on-farm equipment with electric options through the combustion system improvement practice is one of many climate-smart agriculture and forestry mitigation activities available for funding through the Inflation Reduction Act.
In 2024 alone, USDA is making more than $3 billion available nationally through the Inflation Reduction Act for climate-smart mitigation activities, in addition to the over $2 billion available through the Farm Bill. This extensive funding will be used to meet producer demand for oversubscribed conservation programs, maximize climate benefits and to help producers address their natural resource challenges.
To learn more about NRCS programs, producers can contact their local USDA Service Center. Producers can also apply for NRCS programs, manage conservation plans and contracts, and view and print conservation maps by logging into their farmers.gov account. Producers without an account can sign up today.
The Farm Service Agency (FSA) has several loan programs to help you start or continue an agriculture production. Farm ownership and operating loans are available.
While all qualified producers are eligible to apply for these loan programs, FSA has provided priority funding for members of targeted underserved applicants.
A targeted underserved applicant is one of a group whose members have been subjected to racial, ethnic or gender prejudice because of his or her identity as members of the group without regard to his or her individual qualities.
For purposes of this program, targeted underserved groups are women, African Americans, American Indians, Alaskan Natives, Hispanics, Asian Americans and Pacific Islanders.
FSA loans are only available to applicants who meet all the eligibility requirements and are unable to obtain the needed credit elsewhere.
The Natural Resources Conservation Service (NRCS) works to help farmers, ranchers and forest landowners invest in their operations and local communities to keep working lands working, boost rural economies, increase the competitiveness of American agriculture and improve the quality of our air, water, soil and wildlife habitat.
Simply put – NRCS helps America’s farmers, ranchers and forestland owners make conservation work for them.
Our Conservation Technical Assistance (CTA) program enables every acre of voluntary conservation applied through every program NRCS administers. It is the foundation of our financial and technical assistance delivery system.
Every farm and acre is unique and requires tailored management; and every decision maker has different management concerns and needs. Our technical assistance is one-on-one, personalized advice and support to help producers make the best decisions for their lands – and is offered free of charge.
This personalized assistance provides producers with the science-based data and tools to make informed decisions about where to target efforts to get the greatest return on their investment and ensure the long-term sustainability of American agriculture.
A comprehensive conservation plan is the first step to managing all the natural resources on a farm. NRCS walks the farm with the producer and develops options to address that producer’s needs. Our toolbox includes aerial photos, soil surveys, engineering solutions and individual science-based analysis customized for the producer’s property. The plan we develop with the producer combines existing production methods with recommended conservation practices to best manage that farm’s unique natural resources, while allowing the producer to grow sustainably and productively. Supported by our expert analysis and recommendations, the producer chooses which option best meets their needs. These decisions become the producer’s conservation plan, a step-by-step guide to reach their objectives'.
This planning process also makes it easier to identify how and when the farmer, rancher or forest landowner could qualify for Farm Bill financial assistance to help them install conservation systems or receive incentives for trying new ones. We have the expertise to see our customers through this process. Because identifying when, where and how to implement practices is not plug and play.
The final plan provides a roadmap for the producer to meet their natural resource conservation goals. It includes helpful information on each of the producer’s practices, such as how they benefit the farm, how to maintain them, and how they help the soil, water and wildlife.
By developing a conservation plan and adding conservation to the land, farmers, ranchers and forest landowners can protect the land’s ability to provide for their family and future generations.
With offices in communities nationwide, NRCS staff provide the information, tools and delivery systems necessary for producers – in every state and territory – to conserve, maintain and improve their natural resources.
Contact your local USDA service center to find out more.
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The USDA Farm Service Agency’s (FSA) Direct Farm Ownership loans can help farmers and ranchers become owner-operators of family farms, improve and expand current operations, increase agricultural productivity, and assist with land tenure to save farmland for future generations.
There are three types of Direct Farm Ownership Loans: regular, down payment and joint financing. FSA also offers a Direct Farm Ownership Microloan option for smaller financial needs up to $50,000.
Joint financing allows FSA to provide more farmers and ranchers with access to capital. FSA lends up to 50 percent of the total amount financed. A commercial lender, a State program or the seller of the property being purchased, provides the balance of loan funds, with or without an FSA guarantee. The maximum loan amount for a joint financing loan is $600,000, and the repayment period for the loan is up to 40 years.
The operation must be an eligible farm enterprise. Farm Ownership loan funds cannot be used to finance nonfarm enterprises and all applicants must be able to meet general eligibility requirements. Loan applicants are also required to have participated in the business operations of a farm or ranch for at least three years out of the 10 years prior to the date the application is submitted. The applicant must show documentation that their participation in the business operation of the farm or ranch was not solely as a laborer.
For more information about farm loans, contact your local USDA Service Center.
Accessing capital to begin, extend or support an agriculture operation can be especially challenging to new producers. Farm Service Agency’s “Beginning Farmer” direct and guaranteed loan programs provide an opportunity for qualified applicants to secure loans from funding set aside for producers who meet the following conditions:
- Has operated a farm for not more than 10 years
- Will materially and substantially participate in the operation of the farm
- Agrees to participate in a loan assessment, borrower training and financial management program sponsored by FSA
- Does not own a farm in excess of 30 percent of the county’s average size farm.
For more information contact, contact your local USDA Service Center.
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 The Emergency Forest Restoration Program (EFRP) provides technical and financial assistance to owners of nonindustrial private forestland whose forestland was damaged by a qualifying natural disaster event.
EFRP can provide crucial assistance to producers after a natural disaster, but there are a few “myths” about the program that we want to dispel.
Myth: EFRP assists landowners with removal of a dead or damaged tree in their yard.
Fact: EFRP helps with the removal of dead or damaged trees as part of a reforestation project and must be on land that meets the definition of nonindustrial private forestland, is at least 120 feet wide, one acre in size, and at least 10% covered by live trees of any size. If the landowner’s yard does not meet these criteria, then the land is not eligible for EFRP. EFRP requires a landowner to incur at least $1,000 in forest restoration costs to be eligible for assistance. (Minimum restoration costs may be set at a higher level by the FSA State Committee). Finally, eligible forestland must have damage to natural resources caused by the natural disaster event that, if not treated, would impair natural resources on the land and materially affect the future use of the land. For example, damage to natural resources on nonindustrial private forestland could include trees that have died or were damaged by the natural disaster event and where it’s determined that removal and restoration is needed to restore forest health and future use of the land.
To read the full blog visit farmers.gov/blog/myth-busters-learn-facts-about-emergency-forest-restoration-program.
USDA’s National Agricultural Statistics Service (NASS) conducts hundreds of surveys every year and prepares reports covering virtually every aspect of U.S. agriculture.
If you receive a survey questionnaire, please respond quickly and online if possible.
The results of the surveys help determine the structure of USDA farm programs, such as soil rental rates for the Conservation Reserve Program and prices and yields used for the Agriculture Risk Coverage and Price Loss Coverage programs. This county-level data is critical for USDA farm payment determinations. Survey responses also help associations, businesses and policymakers advocate for their industry and help educate others on the importance of agriculture.
NASS safeguards the privacy of all respondents and publishes only aggregate data, ensuring that no individual operation or producer can be identified.
NASS data is available online at nass.usda.gov/Publications and through the searchable Quick Stats database. Watch a video on how NASS data is used at youtube.com/watch?v=m-4zjnh26io&feature=youtu.be. .
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A video series from NRCS and farmers.gov, Conservation at Work, presents short and easy to understand videos about popular conservation practices. These videos feature producers explaining how an individual practice helps their land and why they are using it.
The videos shine the spotlight on farmers, ranchers, and forestland owners from across the U.S. who explain why they’ve implemented the conservation practices and how they work on their land. They also provide insight into how each practice is helping them protect and improve resources and save time and money.
We’ve got videos showcasing high tunnels, no-till, cover crops, prescribed grazing, and many more.
Check out the Conservation at Work video series at farmers.gov/conserve/conservationatwork.
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 Save Money on Fuel with No-Till Farming
How much fuel can farmers save each year by transitioning from conventional tillage to continuous no-till? According to a report from USDA’s Conservation Effects Assessment Project (CEAP), 3.6 gallons per acre is a reasonable estimate. With current off-road diesel fuel prices, this could translate into approximately $17 per acre saved annually.
Nearly 87 percent of all cropland acres nationwide are farmed using some form of conservation tillage, where tillage is reduced for at least one crop within a given field. Continuous no-till accounts for 33 percent of this total.
Improving soil health is one known benefit of limiting disturbance. Farmers who minimize tillage across their operation may reduce soil erosion, maximize water infiltration, improve nutrient cycling, build organic matter, and strengthen resilience to disaster events or challenging growing conditions. Based on the latest data, they may also use significantly less fuel than with conventional tillage and reduce their associated carbon dioxide emissions.
According to CEAP, farmers who implement conservation tillage practices instead of continuous conventional tillage:
- Reduce potential nationwide fuel use by 763 million gallons of diesel equivalents each year, roughly the amount of energy used by 2.8 million households.
- Reduce potential associated emissions by 8.5 million tons of carbon dioxide (CO2) equivalents each year, equivalent to removing nearly 1.7 million gasoline-powered passenger vehicles from the road.
How is this possible? Annually, farmers who practice continuous no-till use approximately 3.6 fewer gallons of fuel per acre than if they practiced continuous conventional tillage. Farmers who practice seasonal no-till – farming without tilling for at least one crop – use approximately 3 fewer gallons of fuel per acre than they would with conventional tillage year-round.
Acre by acre, fuel saved is money saved. Let’s assume an average off-road diesel fuel price of $4.75 per gallon*. By transitioning from continuous conventional tillage to continuous no-till, a farmer can save just over $17 per acre each year in fuel costs. A farmer who transitions from continuous conventional tillage to seasonal no-till can save more than $14 per acre on fuel annually. These potential savings are significantly larger than with CEAP’s first fuel savings report, primarily due to the current price of diesel fuel.
The bottom line for farmers: Reducing tillage leads to fuel savings that deliver significant financial benefits while building healthier soils for a more resilient operation.
USDA Can Help
If you’re a farmer interested in reducing tillage or pursuing other conservation efforts across your operation, USDA’s Natural Resources Conservation Service (NRCS) can help.
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This blog offers five simple tips for farmers interested in trying no-till for the first time.
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This 90-second video provides a description of no-till and associated benefits according to a Delaware farmer.
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This 23-minute video follows five South Carolina farmers seeking to quantify the benefits of conservation practices that support soil health.
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This webpage details principles to improve soil health, including reduced tillage and complimentary conservation practices such as cover crops, crop rotations, and rotational grazing.
NRCS has local USDA Service Centers in nearly every county across the United States. You may find contact information for your nearest Service Center here. NRCS staff are available to provide free, one-on-one assistance with a suite of practices to strengthen your operation, conserve natural resources, and boost your bottom line. SMART nutrient management, for example, is important to consider with no-till and may help you save money on fertilizer while improving water quality – another win-win.
Visit the new NRCS website to learn more about conservation basics, getting assistance from NRCS, programs and initiatives, and resources to inform management decisions. Visit the new CEAP webpage for additional information about USDA’s efforts to quantify the effects of conservation practices across croplands and other working lands.
 Although the FY2024 growing season isn’t yet over, it’s not too early to look forward to the next. Thomas Morgart, State Conservationist for the USDA-Natural Resources Conservation Service (NRCS) in Connecticut, has announced funding for three of his agency’s conservation programs for FY2025 – the Agricultural Management Assistance (AMA) Program, the Conservation Stewardship Program (CSP), and the Environmental Quality Incentives Program (EQIP). Connecticut's payment schedules can be found here.
Not sure if either of these programs are for you? Let’s take a look …
- Are you an agricultural producer looking for ways to conserve water, or address water, air, or animal waste issues?
- Are you looking to reduce erosion, improve wildlife habitat, or obtain a seasonal high tunnel?
- Do you want to make your farm more resilient to climate change?
- Do you just want to improve overall conservation on your farming operation?
If you answered yes to any of these, you may be eligible for financial and/or technical assistance. NRCS offers assistance to all eligible producers – from small urban farms to larger operations with production on rented, leased, or owned land, through a variety of programs.
Under the Conservation Stewardship Program (CSP), NRCS now offers a minimum annual payment of $4,000 per year for each year of the 5-year contract.
Although NRCS accepts applications year-round, to be eligible for the first sign-up period for FY 2025 funding, be sure to submit yours to your local NRCS office by October 15, 2024.
Not sure how to begin? Visit the Get Started with NRCS webpage. Or contact your local USDA Service Center: Danielson – (860) 779-0557; Hamden – (203) 287-8038; Norwich – (860) 887-3604; Torrington – (860) 626-8852; Windsor – (860) 688-7725.
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