Beginning Farmer Financing in Pennsylvania

Beginning farmers rarely finance a first purchase with a single loan. The common approach is to combine programs: the USDA FSA Down Payment Program, which can require as little as 5% down, Pennsylvania's Next Generation Farmer Loan, and a community bank or Farm Credit loan covering the balance.

The Next Generation Farmer Loan uses federal tax-exempt financing to lower a first-time farmer's rate, with a 2026 maximum of $682,000. It is administered locally by county industrial development authorities. Eligibility rules apply to each program and limits are adjusted periodically, so current details should be confirmed with the program directly.

Contact me and I'll help map a realistic package for your first purchase.

This is part of the full guide to farm and land financing in Pennsylvania, which covers lenders, programs, down payments, and 18 common questions.

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Please note: About these financing options: financing is provided by third-party agricultural and business-purpose lenders and is subject to their credit approval, terms, and conditions. Rates, limits, and program terms change — confirm current details with the lender or program before making decisions. The options described here are for business-purpose and agricultural use: farm purchases, farmland, raw land, and agricultural buildings. You are never required to use any lender or program mentioned here, and I will disclose in writing any financial interest I have in a service I refer you to. Aaron Glick, REALTOR® with Lime House Realty. Equal Housing Opportunity.

Aaron Glick, REALTOR® · PA License #RS374368 · (717) 259-3930

Lime House Realty · (717) 840-1355 · 2100 E Market Street, York, PA 17402