USDA Section 502 Direct Single Family Housing Loan (Maine)

USDA Section 502 Direct Single Family Housing Loan (Maine) es una primera hipoteca para compradores de vivienda en Statewide, Maine, a cargo de USDA Rural Development, Rural Housing Service (Maine State & Area Offices). The USDA Section 502 Direct Single Family Housing Loan lets low- and very-low-income applicants in eligible rural Maine areas buy, build, repair, renovate, or relocate a home with typically no down payment. USDA directly funds the mortgage and applies 'payment assistance,' a subsidy that can reduce the effective rate to as low as 1%. Applications accepted year-round. No down payment typically required. Direct USDA mortgage. Payment-assistance subsidy can cut the effective rate to as low as 1%. Up to 33-year term (38 yrs for very-low-income). Fixed rate.

USDA Section 502 Direct Single Family Housing Loan (Maine) es una primera hipoteca y se reembolsa según los términos que fija USDA Rural Development, Rural Housing Service (Maine State & Area Offices). El reembolso se activa por Payment-assistance subsidy subject to subsidy recapture upon title transfer or when borrower no longer occupies the dwelling. Los términos de condonación y reembolso los fija el programa y pueden cambiar; confírmalos en la página oficial del programa antes de presentar la solicitud.

USDA Section 502 Direct Single Family Housing Loan (Maine) está abierto a compradores de vivienda que vivirán en la vivienda como su residencia principal. Loan term: Up to 33 years; 38 years for very-low-income applicants who cannot afford the 33-year term. Must buy in an eligible rural area; adjusted income at/below the area low-income limit; credit-elsewhere test; primary residence; citizenship/eligible-noncitizen. Effective national base rate 5.125% as of June 1, 2026 before subsidy; reduced to as low as 1% with payment assistance. Subsidy recaptured at sale/move-out.

USDA Section 502 Direct Single Family Housing Loan (Maine) fija su límite de ingresos así: Adjusted income at/below the applicable low-income limit for the area; very-low-income tier qualifies for deeper subsidy and 38-year term. Limits vary by county/household size per USDA Direct Loan income limit map. Las cifras del ingreso mediano del área las publica HUD y se actualizan cada año, así que consulta la tabla vigente del condado antes de basarte en una cifra.

USDA Section 502 Direct Single Family Housing Loan (Maine) limita el precio de compra así: Property market value may not exceed the USDA area loan limit for the county. Los tipos de propiedad elegibles incluyen Single Family. La construcción nueva es elegible. Las viviendas prefabricadas son elegibles.

USDA Section 502 Direct Single Family Housing Loan (Maine) atiende a compradores de vivienda que compran en Statewide, Maine.

Las solicitudes de USDA Section 502 Direct Single Family Housing Loan (Maine) se tramitan a través de USDA Rural Development, Rural Housing Service (Maine State & Area Offices), que publica los términos vigentes y los pasos de la solicitud en su propio sitio. Hey Prescott no es un prestamista y no acepta solicitudes; esta página describe el programa para que un comprador de vivienda pueda llevarlo a un prestamista o a un asesor de vivienda.