Finance Your
Farmland Purchase
Expand your operation, acquire new ground, or make your first land purchase. We work with multiple underwriters to find you the best solution possible.
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. Agricultural lenders look at what the land produces, not just comparable sales.
- We work with underwriters who work with Farmer Mac and other private funding sources
- Farmland, pasture, ranchland, and timberland purchases
- Adding neighboring ground to an existing operation
- No credit pull to start
- Nothing goes to underwriting until you say it's ready to go
$500K–$25M
Loan requests we review
Ag real estate
Helps secure the loan
All 50 states
Where we can help
1 business day
Typical time to hear from us
Purchases We Help With
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. The same minimums apply: a loan of $500,000 or more, with agricultural real estate to help secure it.
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
Tell Us the Basics
Share the purpose, amount, property, and how you expect to repay. Estimates are fine.
Review the Next Step With Our Team
We clarify your request and whether an available lending program may be worth exploring.
Complete the Formal Application
If you choose to proceed, complete the formal application and provide the documents the lender needs.
Lender Review
Nothing goes to underwriting until you say it's ready to go. The lender performs underwriting and decides whether to offer credit and on what terms.
Before You Buy
A few things that shape a farmland purchase. The lender makes the final call on each.
Down payment and reserves
The lender sets the down payment. It depends on the property, your finances, and the program. Plan for closing costs and cash in reserve as well.
Value comes from production
Agricultural appraisals weigh soil, water, productivity, and comparable farm sales, not just nearby home prices.
Due diligence before you commit
Check water rights, access, easements, soil, and title before you sign.
Due diligence guide →Time in your purchase contract
Appraisals and title work on rural land can take a while. Leave enough time in your contract to close.
What You'll Need
To start your inquiry
- What you're buying, and where
- The purchase price and how much you want to borrow
- How you expect to repay
- Estimates are fine
Later, if you move forward
The formal application may ask for:
- Financial statements (balance sheet and income)
- Recent tax returns
- Current debts and annual payments
- Everyone who will borrow or guarantee the loan
- The purchase contract and property details
The exact list depends on the lender and the program. Our team will tell you what's needed.
Land Purchase FAQs
Land Purchase Payment Calculator
Estimate your monthly payment for agricultural land financing.
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.
$7,456
$789,376
Ready to Buy Land?
Tell us about the land you want to buy, and our team will review the next step with you.
Answer a few quick questions, free, no credit check, to see financing options that may fit.
AgLoans.com is not a bank or lender. Submitting information does not guarantee approval.