USDA Section 502 Direct Home Loan Program (Delaware)

USDA Section 502 Direct Home Loan Program (Delaware) هو رهن عقاري أول لمشتري المنازل في Delaware، وتديره USDA Rural Development – Rural Housing Service (Delaware/Maryland State Office). The USDA Section 502 Direct Home Loan Program provides direct mortgage financing from USDA Rural Development to low- and very-low-income households buying a home in eligible rural areas of Delaware. Payment assistance is a temporary interest subsidy that can reduce the effective interest rate to as low as 1%, with no down payment typically required and terms up to 33 (or 38) years. The interest subsidy is subject to recapture when the home is sold or no longer occupied by the borrower. No down payment typically required. Effective interest rate as low as 1% with payment assistance. Up to 33-year (38-year for very-low-income) repayment term. Direct USDA financing for rural low-income buyers. Funds can build, repair, renovate or relocate a home. يأتي التمويل من Federal direct loan funds appropriated to USDA Rural Development under Section 502 of the Housing Act of 1949 (7 CFR Part 3550).

USDA Section 502 Direct Home Loan Program (Delaware) هو رهن عقاري أول ويُسدَّد وفق الشروط التي تحددها USDA Rural Development – Rural Housing Service (Delaware/Maryland State Office). يُستحق السداد عند Borrowers must repay all or a portion of the payment-subsidy received over the life of the loan (subsidy recapture) when title transfers or the borrower no longer occupies the dwelling. تُسجَّل المساعدة في مرتبة الرهن: First. يحدد البرنامج شروط الإعفاء والسداد وقد تتغير؛ تحقّق منها في الصفحة الرسمية للبرنامج قبل التقديم.

USDA Section 502 Direct Home Loan Program (Delaware) مفتوح أمام مشتري المنازل الذين سيسكنون المنزل كمسكن رئيسي. بشأن الائتمان، ينص البرنامج على: No fixed minimum credit score; applicants must demonstrate willingness and ability to repay debt. الجنسية أو وضع الهجرة: Must meet citizenship or eligible-noncitizen requirements. Not a stand-alone DPA – this is a direct first mortgage with a payment-assistance interest subsidy. Property must be in a USDA-eligible rural area. The 5.125% note rate is effective June 1, 2026 and changes periodically. County-specific income limits and area loan limits apply (consult the USDA eligibility site). Homebuyer education requirement not specified on the program page (left null).

يحدد USDA Section 502 Direct Home Loan Program (Delaware) حد الدخل على النحو التالي: Adjusted household income must be at or below the applicable very-low-income or low-income limit for the county where the home is located (per the USDA Direct income-limit tables / eligibility site). 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 Section 502 Direct Home Loan Program (Delaware) حدًا لسعر الشراء على النحو التالي: Property market value cannot exceed the applicable USDA area loan limit for the county. تشمل أنواع العقارات المؤهلة Single Family. المنازل حديثة البناء مؤهلة. المنازل الجاهزة (المصنّعة) مؤهلة.

يخدم USDA Section 502 Direct Home Loan Program (Delaware) مشتري المنازل الذين يشترون في أي مكان في Delaware.

تُقدَّم طلبات USDA Section 502 Direct Home Loan Program (Delaware) عبر USDA Rural Development – Rural Housing Service (Delaware/Maryland State Office)، التي تنشر الشروط الحالية وخطوات التقديم على موقعها. تُحجز الأموال عبر Applications accepted on an ongoing basis year-round (Oct 1 – Sep 30) through the local Delaware Rural Development office; processing times vary with funding availability. Hey Prescott ليست جهة إقراض ولا تقبل الطلبات؛ تصف هذه الصفحة البرنامج ليتمكن مشتري المنزل من عرضه على جهة إقراض أو مستشار إسكان.