A government program that is intended to help residents of rural areas get low-rate home loans is running out of financing, which could cause the real estate market in these areas to spiral. Despite a recent increase in funding, the United States Department of Agriculture's (USDA) Rural Development program is about to run out of money, which could bring real estate recovery in many small communities to a screeching halt. A great deal of smaller markets have benefitted from this program, as it does not require homebuyers to put any money down or pay monthly mortgage insurance premiums. Furthermore, these purchasers need not be first-time homebuyers to qualify, according to the program's website. Qualifying candidates enter 30-year fixed-rate mortgage agreements at current market rates.