Thinking of an RD loan? 11 communities will no longer be eligible for RD loans as of 1/15/14. Originally this was scheduled to occur on Oct 1st but thanks to the government shut down the time frame was extended! In order to purchase in an eligible area that will be ineligible in 2014, you must have an RD commitment by 1/15/14. RD is a no down payment loan… buy now!