USDA Section 502 Direct Loan Program (Rhode Island)

USDA Section 502 Direct Loan Program (Rhode Island) هو رهن عقاري أول لمشتري المنازل في Rhode Island، وتديره USDA Rural Development, Rural Housing Service (CT/MA/RI State Office, Amherst MA; Warwick RI Area Office). The USDA Section 502 Direct Loan Program assists low- and very-low-income applicants in obtaining decent, safe and sanitary housing in eligible rural areas of Rhode Island by providing direct mortgages with payment (interest) subsidy to increase repayment ability. USDA is the lender; no down payment is typically required and the effective rate can drop to as low as 1% with payment assistance. As of May 1, 2026 the note rate is 5.00% for low- and very-low-income borrowers, with terms up to 33 years (up to 38 years for very-low-income applicants who cannot afford the 33-year term). Up to 100% financing, no down payment typically required. Interest rate as low as 1% after payment assistance. Long repayment terms (up to 33-38 years). Direct USDA loan for households unable to obtain credit elsewhere. Funds usable to buy, build, repair, renovate, or relocate a rural home. يأتي التمويل من Direct federal appropriation; USDA is the direct lender.

USDA Section 502 Direct Loan Program (Rhode Island) هو رهن عقاري أول ويُسدَّد وفق الشروط التي تحددها USDA Rural Development, Rural Housing Service (CT/MA/RI State Office, Amherst MA; Warwick RI Area Office). يُستحق السداد عند Payment subsidy (interest subsidy) received is subject to recapture and must be repaid (all or a portion) 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 Loan Program (Rhode Island) مفتوح أمام مشتري المنازل الذين سيسكنون المنزل كمسكن رئيسي. بشأن الائتمان، ينص البرنامج على: No fixed minimum credit score; applicant must demonstrate willingness and ability to repay debt. شرط الإقامة: Property must be in an eligible USDA-defined rural area of Rhode Island (verify address via the USDA Eligibility Site) and occupied as the primary residence. الجنسية أو وضع الهجرة: U.S. citizen or eligible noncitizen. Property must be located in a USDA-eligible rural area (verify by address at the USDA Eligibility Site). Applicants must be without decent, safe, sanitary housing and unable to obtain other credit on reasonable terms. Subsidy recapture applies on transfer/move-out. NOTE: RI-specific income and area-loan-limit dollar figures are published via USDA interactive lookups rather than static numbers on the program page, so income_limit_amount and max_purchase_price are left null; verify per county and household size.

يحدد USDA Section 502 Direct Loan Program (Rhode Island) حد الدخل على النحو التالي: Adjusted household income must be at or below the applicable low-income limit for the area (very-low and low-income tiers). RI-specific dollar limits vary by county and household size; use the USDA Income Eligibility lookup (eligibility.sc.egov.usda.gov). NOTE: RI dollar table not transcribed here because USDA publishes it via an interactive lookup rather than a static figure on the program page. 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 Loan Program (Rhode Island) حدًا لسعر الشراء على النحو التالي: Property market value may not exceed the applicable USDA area loan limit for the county (see RD-SFHAreaLoanLimitMap). تشمل أنواع العقارات المؤهلة single_family. المنازل حديثة البناء مؤهلة.

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

تُقدَّم طلبات USDA Section 502 Direct Loan Program (Rhode Island) عبر USDA Rural Development, Rural Housing Service (CT/MA/RI State Office, Amherst MA; Warwick RI Area Office)، التي تنشر الشروط الحالية وخطوات التقديم على موقعها. تُحجز الأموال عبر Applications accepted on an ongoing basis from individuals October 1 - September 30 via the local USDA RD office; processing subject to 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.