Single Family Housing Guaranteed Loan Program-Income Producing Accessory Dwelling Unit (ADU) Provisions

Document Headings Document headings vary by document type but may contain the following: the agency or agencies that issued and signed a document the number of the CFR title and the number of each part the document amends, proposes to amend, or is directly related to the agency docket number / agency internal file number the RIN which identifies each regulatory action listed in the Unified Agenda of Federal Regulatory and Deregulatory Actions See the Document Drafting Handbook for more details. Department of Agriculture Rural Housing Service 7 CFR Part 3555 [Docket No. RHS-26-SFH-0100] AGENCY: Rural Housing Service, USDA. ACTION: Final rule. SUMMARY: The Rural Housing Service (RHS or the Agency), a Rural Development (RD) agency of the United States Department of Agriculture (USDA), is amending the Single Family Housing Guaranteed Loan Program (SFHGLP) regulation to permit the financing of single family homes with income producing Accessory Dwelling Units (ADUs) and clarify the eligibility of properties with features designed to accommodate home-based operations using non-commercial real estate features. DATES: This final rule is effective December 28, 2026. FOR FURTHER INFORMATION CONTACT: Stephanie Freeman, Finance & Loan Analyst, Single Family Housing Guaranteed Loan Division, Rural Development, U.S. Department of Agriculture, STOP 0784, Room 2250, South Agriculture Building, 1400 Independence Avenue SW, Washington, DC 20250-0784. Telephone: (314) 457-6413; or email: stephanie.freeman@usda.gov . SUPPLEMENTARY INFORMATION: Abbreviations ADU Accessory Dwelling Unit CFR Code of Federal Regulations FNMA Fannie Mae FHA Federal Housing Administration FR Federal Register FHLMC Freddie Mac HUD Department of Housing and Urban Development RHS Rural Housing Service RD Rural Development § Section SEQ. Sequentes SFHGLP Single Family Housing Guaranteed Loan Program UMRA Unfunded Mandates Reform Act of 199…