Farm Ownership Loans offer up to 100 percent financing and are a valuable resource to help farmers and ranchers purchase or enlarge family farms. 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.The Farm Service Agency offers loans to help farmers and ranchers get the financing they need to start, expand or maintain a family farm. Direct Farm Ownership. These agriculture purchase loans may be used to buy farmland, refinance existing farm loans, or finance the construction of a new farm. Farm Credit can lend up to 80 percent of the appraised value or the purchase price, whichever is less, which equates to a 20 percent down payment. Colonial Farm Credit makes loans to farmers, ranchers, residents and agribusinesses. You don't have to be a farmer to borrow from Farm Credit.