The United States Department of Agriculture (USDA) offers a unique opportunity for individuals and families to achieve homeownership.

The maximum loan amount is $40,000 at a 1% interest rate, repayable for a 20-year term and can be used to improve or modernize homes and do essential repairs.

Fifteen state attorneys general and one private entity, the National Association of Home Builders (NAHB), have sued the U.S.