Golden wheat fields at sunset with a red barn on the horizon
LandLoan.ai logoAn independent education resource

Land financing,
explained.

Plain-English guides, glossary, and a free calculator for buyers of raw, rural, recreational, and agricultural land. We are not a lender — just a careful, neutral source.

Browse by topic

Five focused clusters covering everything from your first land loan to advanced financing structures.

Farmer's hands inspecting soil with green seedlings

Learn the numbers behind land ownership

Compare loan types, down payments, amortization schedules, and lender expectations before you talk with a financing source.

Combine harvester at work in a cornfield at sunset

Guides are coming soon

Our editorial team is publishing the first batch of land-financing guides. Check back shortly, or explore the calculator now.

Glossary entries will appear here as they are published.

Free Land Financing Guides

Plain-English, professionally researched guides to help you understand land loans before you borrow.

Browse all guides →

Every guide is researched and cited from authoritative sources — including the USDA, Farmer Mac, the Farm Credit Administration, the American Farmland Trust, and leading agricultural lenders.

USDAFarmer MacFarm Credit AdministrationAmerican Farmland Trust

Land Loans

What to Expect When Getting a Land Loan

The complete process — from down payment to closing.

A clear, step-by-step walkthrough of the land loan process — what lenders look at, the down payment and terms to expect, the documents you'll need, and how closing works — so you know what's ahead before you apply.

  • Why a land loan isn't a home mortgage
  • Down payments, terms & loan-to-value reality
  • What lenders evaluate
  • The process step by step + a document checklist
5 pagesResearched & cited
Inheritance & Ownership

How to Buy Out Your Siblings on Inherited Farmland

Options, process, and what to expect when you want to keep the family land.

Inherited land with your siblings and want to keep it? This guide explains how a buyout works — how to value it fairly, the financing options, the step-by-step process, and the legal and tax pitfalls to avoid.

  • Why family buyouts are so common now
  • Your options to fund a buyout
  • The buyout process, step by step
  • Pitfalls to avoid (partition, taxes, basis)
5 pagesResearched & cited
How Lending Works

What Is Farmer Mac?

A plain-English guide to the secondary market behind farm & land loans.

Farmer Mac quietly helps make long-term, fixed-rate farm and land loans possible. This guide explains what it is, where it came from, how the secondary market works, and what it means for you as a borrower.

  • What Farmer Mac is (and isn't)
  • Where it came from (the 1988 origin)
  • How the secondary market works
  • What it means for you as a borrower
4 pagesResearched & cited