USDA Section 502 Direct Home Loan Program

USDA Section 502 Direct Home Loan Program هو رهن عقاري أول لمشتري المنازل في Statewide، New Hampshire، وتديره USDA Rural Development - Rural Housing Service. The USDA Section 502 Direct Home Loan Program provides direct mortgage financing to low- and very-low-income households buying a home in eligible rural areas of New Hampshire, with no down payment typically required. USDA provides payment-assistance subsidy that can reduce the effective interest rate to as low as 1%. Terms run up to 33 years (38 for qualifying very-low-income borrowers), and the subsidy is subject to recapture when the home is sold or the borrower moves out. No down payment typically required. Payment-assistance subsidy reduces effective rate to as low as 1%. Long repayment terms (up to 33-38 years). Serves low- and very-low-income rural buyers. Direct loan from USDA. يأتي التمويل من USDA Rural Development direct loan funds (Housing Act of 1949; 7 CFR Part 3550).

USDA Section 502 Direct Home Loan Program هو رهن عقاري أول ويُسدَّد وفق الشروط التي تحددها USDA Rural Development - Rural Housing Service. يُستحق السداد عند Borrowers must repay all or a portion of the payment-subsidy received over the life of the loan when title transfers or the borrower no longer lives in the dwelling (subsidy recapture). 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 مفتوح أمام مشتري المنازل الذين سيسكنون المنزل كمسكن رئيسي. الجنسية أو وضع الهجرة: Must meet U.S. citizenship or eligible-noncitizen requirements. Must buy in a USDA-eligible rural area and meet county low-income limits. Applicant must lack decent/safe/sanitary housing, be unable to obtain credit elsewhere on reasonable terms, occupy the home as primary residence, and meet citizenship requirements. Note interest rate (5.00% effective May 1, 2026) is before payment-assistance subsidy. Applicants with assets above USDA limits may be required to use a portion toward the purchase.

يحدد USDA Section 502 Direct Home Loan Program حد الدخل على النحو التالي: Applicant's adjusted income must be at or below the applicable low-income limit for the county where the home is located (limits vary by county and household size; published in the USDA Direct Loan income-limit map / Appendix 9). 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 حدًا لسعر الشراء على النحو التالي: Property market value may not exceed the applicable USDA area loan limit for the county. تشمل أنواع العقارات المؤهلة Single Family. المنازل حديثة البناء مؤهلة.

يخدم USDA Section 502 Direct Home Loan Program مشتري المنازل الذين يشترون في Statewide، New Hampshire. يستهدف البرنامج مناطق محددة: Available only in USDA-designated eligible rural areas (check the USDA eligibility site by address).

تُقدَّم طلبات USDA Section 502 Direct Home Loan Program عبر USDA Rural Development - Rural Housing Service، التي تنشر الشروط الحالية وخطوات التقديم على موقعها. تُحجز الأموال عبر Applications accepted year-round through the local USDA Rural Development office (NH served via the Vermont/New Hampshire State Office); processing depends on 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.