AgLoans.com connects farmers, landowners, and agribusiness operators nationwide with specialized agricultural lending partners. We simplify the process of securing farm and land loans with a straightforward advisory approach.

What's the minimum down payment for farmland?

Down payment requirements vary by lender and property type, typically ranging from 20-35%. Strong borrower qualifications, property quality, and existing equity can influence requirements.

Can I finance improvements along with the land purchase?

Yes. Many lending partners can structure loans that include both land acquisition and planned improvements like irrigation, fencing, or buildings.

How do lenders determine land value?

Appraisals consider productive capacity, soil quality, water access, location, comparable sales, and current rental rates. Agricultural appraisers understand farming factors that general appraisers might miss.

Can I use the land I'm buying as collateral?

The purchased property typically serves as primary collateral. Additional collateral may be required depending on loan-to-value ratios and borrower qualifications.

Finance Your
Farmland Purchase

Expand your operation, acquire new ground, or make your first land purchase. We connect you with lenders who understand agricultural real estate.

AgLoans.com is not a bank or lender. Submitting information does not guarantee approval.

Land Loans Built for Agriculture

General mortgage lenders don't always understand farmland. Our lending partners specialize in agricultural real estate and evaluate properties based on productive value, not just comparables.

Access to a vetted network of agricultural lenders nationwide
Flexible terms up to 30 years
Finance farmland, pasture, and timberland
Purchase adjacent properties to expand
Cash-out refinance options available

$500K+

Minimum Loan

30 Years

Max Term

60 Sec

Pre-Qualification

All 50

States Served

What We Finance

Expansion Purchases

Add acreage to your existing operation. Finance neighboring farms, additional pasture, or new production ground.

First-Time Purchases

Buy your first farm or ranch. Our lending partners work with qualified beginning farmers.

Timberland & Pasture

Financing for timber properties, grazing land, and mixed-use agricultural tracts.

Investment Properties

Finance income-producing farmland as part of your agricultural portfolio.

How Land Purchase Financing Works

From initial inquiry to closing on your new property

Quick Pre-Qualification

Answer a few questions about your operation and financing needs. Takes about 60 seconds.

Get Matched

We connect you with lending partners who specialize in agricultural financing.

Review Your Options

Compare offers and terms from multiple lenders. No obligation, no pressure.

Close Your Loan

Work directly with your chosen lender to finalize terms and funding.

Land Purchase Payment Calculator

Estimate your monthly payment for agricultural land financing.

Land Purchase Calculator

Disclaimer: This calculator provides estimates only and should not be considered a guarantee of actual loan terms. Actual interest rates, terms, and payments will vary based on creditworthiness, property details, lending partner policies, and market conditions. AgLoans.com is not a lender and does not set interest rates or loan terms.

Loan Amount$1,000,000

$500K$10M

Loan Term20 years

5 years30 years

Interest Rate6.50%

3%12%

Monthly Payment

$7,456

Total Interest

$789,376

Land Purchase FAQs

Ready to Buy Land?

Pre-qualify in 60 seconds and get matched with agricultural land lenders.

Answer a few quick questions, free, no credit check, to see financing options that may fit.