loans.usda538/usda538-loans · v1.2026.1101.0 · finance-and-payments
Open Country: USDA Section 538 and 515 data is healthy: it completed an MCP handshake in 1992 ms and exposes 5 tools.
USDA Section 538 income limits, 538 loans and lenders, 515 rural rentals, 538 loan sizer.
Endpoint: https://usda538.loans/mcp (streamable-http)
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| Users (last 30 days) | 0 |
| Handshake | Healthy |
| Auth needed | None |
| Tool count | 5 |
| Latency | 1992 ms |
| Last checked (UTC) | 2026-11-02T08:00:22.914Z |
| Checked (UTC) | Status | Latency | Error |
|---|---|---|---|
| 2026-11-02T08:00:22.914Z | Healthy | 1992 |
get_538_income_limits | FY2026 USDA Section 538 income limits (115% of area median income, 1 to 8 persons, effective July 13, 2026) for a county or USDA area in one state, with the per-unit rent cap (30% of the limit / 12) and the approximate project-average cap. Without county or area, lists every area in the state, paged |
list_538_loans | USDA's public Section 538 guaranteed loans in one state (file as of October 19, 2026): count, total amount, apartments, tax credit deals, median loan-to-cost and lenders, then loan rows (project, city, lender, closing date, amount, loan-to-cost, units, rents) newest first, paged and filterable by le |
get_538_lender_table | National Section 538 lender table from USDA's public file (as of October 19, 2026): each lender's loan count, total loan amount and latest fiscal year, ranked by loan count, plus the total portfolio and how many loans each state has. Paged. |
find_usda_rural_rentals | Active USDA Section 515 rural rental and 514 farm labor housing properties in one county from USDA's file (as of October 19, 2026): name, address, housing type, bedroom mix, units, rental assistance units, recorded vacancies, accessible units, opening year, restriction end date and management compan |
size_538_loan | Sizes a USDA Section 538 loan the way the site's loan sizer does: the 90% (for-profit) or 97% (nonprofit or public) cap on the lower of cost or value against the DSCR cap (1.15x default), with NOI, debt service, loan-to-cost and the 2026 guarantee fees. Arithmetic on your inputs, not a quote. |