FSA has a down payment loan program to assist socially disadvantaged and beginning farmers purchase farms.  Retiring farmers may use this program to transfer their land to future generations.  To qualify, applicants must make a cash down payment of at least five percent of the purchase price.  The maximum loan amount cannon exceed 45 percent of the lesser of a) the purchase price of the farm; b) the appraised value of the farm or; c) $500,000.  This results in a maximum loan amount of $225,000.  Loans are for twenty year terms.  The remaining  balance may be obtained from a commercial lender or private party.