USDA Single Family Housing Direct Home Loans (Section 502 Direct) - Arizona

USDA Single Family Housing Direct Home Loans (Section 502 Direct) - Arizona هو رهن عقاري أول لمشتري المنازل في Arizona، وتديره USDA Rural Development, Rural Housing Service - Arizona State Office. The USDA Section 502 Direct Home Loan Program helps low- and very-low-income applicants in eligible rural areas of Arizona obtain decent, safe and sanitary housing by lending directly to borrowers and providing payment assistance (a temporary interest subsidy) to increase repayment ability. Loans typically require no down payment and can fund purchase, construction, repair, renovation or relocation of a home, including site costs and water/sewer facilities. With payment assistance the effective interest rate can be reduced to as low as 1%. The program is open year-round through the Arizona State Office and local Rural Development offices. يأتي التمويل من Federal appropriations - USDA Rural Housing Service direct loan funds (Housing Act of 1949, Section 502; 7 CFR Part 3550).

USDA Single Family Housing Direct Home Loans (Section 502 Direct) - Arizona هو رهن عقاري أول ويُسدَّد وفق الشروط التي تحددها USDA Rural Development, Rural Housing Service - Arizona State Office. يُستحق السداد عند Payment-assistance subsidy is recaptured (all or a portion) when the title transfers or the borrower no longer lives in the dwelling. تُسجَّل المساعدة في مرتبة الرهن: First lien (direct mortgage from USDA). يحدد البرنامج شروط الإعفاء والسداد وقد تتغير؛ تحقّق منها في الصفحة الرسمية للبرنامج قبل التقديم.

USDA Single Family Housing Direct Home Loans (Section 502 Direct) - Arizona مفتوح أمام مشتري المنازل الذين سيسكنون المنزل كمسكن رئيسي. بشأن الائتمان، ينص البرنامج على: No published minimum credit score; applicant must demonstrate willingness and ability to repay. شرط الإقامة: Property must be located in a USDA-eligible rural area of Arizona (generally areas with population under 35,000; verify via USDA Eligibility Site). الجنسية أو وضع الهجرة: U.S. citizen, U.S. non-citizen national, or qualified alien. Applicant must be without decent/safe/sanitary housing, unable to obtain a loan on reasonable terms elsewhere, occupy the home as primary residence, have legal capacity, meet citizenship/eligible-noncitizen requirements, and not be suspended/debarred. Property must not exceed the county area loan limit and may not be income-producing. Payment subsidy (subsidy recapture) must be repaid in whole or part on title transfer or when the borrower no longer occupies the home.

يحدد USDA Single Family Housing Direct Home Loans (Section 502 Direct) - Arizona دخل الأسرة بما لا يتجاوز 80% من الدخل الوسيط في المنطقة، وهو يختلف بحسب المقاطعة وحجم الأسرة. Adjusted household income must be at or below the applicable low-income (or very-low-income) limit for the county; limits vary by Arizona county per the USDA Direct Loan income limit map. Very-low-income borrowers may qualify for a 38-year term. ينطبق الحد على إجمالي دخل الأسرة، وليس على دخل المقترض وحده. تنشر HUD أرقام الدخل الوسيط في المنطقة وتحدّثها سنويًا، لذا راجع الجدول الحالي للمقاطعة قبل الاعتماد على أي رقم.

يضع USDA Single Family Housing Direct Home Loans (Section 502 Direct) - Arizona حدًا لسعر الشراء على النحو التالي: Property market value may not exceed the applicable USDA area loan limit for the county where the property is located. تشمل أنواع العقارات المؤهلة Single-family detached وModest single-family home in eligible rural area. المنازل حديثة البناء مؤهلة. المنازل الجاهزة (المصنّعة) مؤهلة.

يخدم USDA Single Family Housing Direct Home Loans (Section 502 Direct) - Arizona مشتري المنازل الذين يشترون في أي مكان في Arizona. يستهدف البرنامج مناطق محددة: Available only in USDA-designated eligible rural areas of Arizona.

تُقدَّم طلبات USDA Single Family Housing Direct Home Loans (Section 502 Direct) - Arizona عبر USDA Rural Development, Rural Housing Service - Arizona State Office، التي تنشر الشروط الحالية وخطوات التقديم على موقعها. تُحجز الأموال عبر Applications accepted on an ongoing basis October 1 - September 30 through local Rural Development offices; processing depends on funding availability and demand. Hey Prescott ليست جهة إقراض ولا تقبل الطلبات؛ تصف هذه الصفحة البرنامج ليتمكن مشتري المنزل من عرضه على جهة إقراض أو مستشار إسكان.