Farm Ownership Loans offer up to 100 percent financing and are a valuable resource to help farmers and ranchers purchase or enlarge family farms. The Farm Service Agency offers loans to help farmers and ranchers get the financing they need to start, expand or maintain a family farm.Use USDA's online farm loan tools to find loans that might be right for you, apply for a direct loan, or make a payment on a direct loan. Apply for an agricultural land loan from a major bank. When farmers need financing, most turn to their local banks first. Land Ownership To qualify for an agriculture mortgage loan, you must own or plan to buy 25 acres or more. Most banks offer schemes for a loan on agricultural land purchase and development, with maximum loan amounts of up to Rs. 10 lakhs.