Investing in agriculture can pose unique challenges, however it offers many personal and financial benefits in today’s world. Being connected with land and animals is amongst many things to think about when buying a ranch and farm. When it comes to expenses, you’ll likely need some financial assistance to make your dream of owning a ranch and farm a reality.

The biggest step to achieving your dream of owning a ranch and farm is to secure the proper financing and look for available land that suits your budget. Consider researching some of the financial options available below that can help you responsibly pursue this lifestyle.

U.S. Department of Agriculture Loan

The U.S. Department of Agriculture (USDA) Farm Service Agency (FSA) has a variety of loan programs. Here are a few to consider looking into:

Farm Ownership Loans are ideal for farmers or ranchers looking to purchase or enlarge family farms, and keep America’s agriculture growing by expanding current operations. Guaranteed Farm Loans are the property and responsibility of the lender, while Direct Farm Loans are funded directly by the agency.

Microloans can be used for either operating or start-up expenses through low-interest loans of up to $50,000 with a down payment on the farm. It’s best designed for small farm operations including beginning farmers.

They also guarantee certain loans to beginner farmers who have 10 years of experience or less, but can meet the loan eligibility requirements. These help get you the capital you need while you strengthen your financial position.

Tap into Your Home Equity

If you’ve built up a large amount of equity in your home, you can use this lump sum of cash known as a home equity loan toward your ranch and farm. This is a flexible loan that unlocks your real estate holdings that you have the ability to use however you see fit. Depending on the amount of equity you have and the land you’re looking to purchase, you may even be able to pay the entire cost in full.

That dream property may only be on the market once in a lifetime, so take advantage of your equity with this type of loan. It’s quicker to approve, and by using your home as a collateral, the interest rates will be much more favorable as well. Depending on your needs, it can provide the funds to buy additional acres, remodel an existing structure, or construct a barn or home.


One of the best ways to finance your ranch and farm is to raise the cash yourself. It puts you at a much smaller risk of becoming strapped down with loans. Barnraiser is a modern crowdfunding source that has helped farmers, food startups, nonprofits, educators, and artisans throughout the US. According to Curtis Stone, also known as The Urban Farmer, starting a small farm can cost as little as $ 5,000 or less to easily operate with the right tools.

Before applying for any type of financing, talk with your real estate agent to determine the pros and cons of each option. Take the time to research each funding option along with your approval odds to decide which works best with your finances. This will lead you on the right path to starting your own ranch and farm successfully.

Work with a lender who specializes in financing rural land and discover your dream ranch and farm property today.