USDA Section 502 Single Family Housing Direct Home Loans (South Carolina)

USDA Section 502 Single Family Housing Direct Home Loans (South Carolina) è un mutuo principale per chi compra casa in South Carolina, gestito da USDA Rural Development. USDA Rural Development's Section 502 Direct Loan Program provides low- and very-low-income rural homebuyers with a subsidized fixed-rate mortgage and payment assistance that can reduce the effective interest rate to as low as 1%. No down payment is typically required. The program assists applicants who cannot obtain credit elsewhere. As of May 1, 2026, the base interest rate is 5.00%. Payment assistance reduces actual payment based on adjusted family income. Property must be in USDA-eligible rural area in South Carolina. No down payment typically required. Interest rate as low as 1% with payment subsidy. 33-38 year loan term. Available year-round. No pre-payment penalty. Funds can also be used to build or renovate. I fondi provengono da USDA Rural Development federal appropriations.

USDA Section 502 Single Family Housing Direct Home Loans (South Carolina) è un mutuo principale e si restituisce secondo le condizioni fissate da USDA Rural Development. Le condizioni di condono e di rimborso sono fissate dal programma e possono cambiare: verificale sulla pagina ufficiale del programma prima di fare domanda.

USDA Section 502 Single Family Housing Direct Home Loans (South Carolina) è aperto a chi compra casa e ci vivrà come residenza principale. Requisito di residenza: Must be US citizen, permanent resident, or eligible noncitizen. Applicants must demonstrate inability to obtain credit from other sources on reasonable terms. Cannot be suspended or debarred from federal programs. Payment assistance must be repaid (all or portion) when title transfers or borrower no longer occupies. Processing times vary by funding availability and demand. Contact SC USDA RD office for current waiting times. Applicants may use the USDA Self-Assessment Tool before applying at eligibility.sc.egov.usda.gov. Current rate effective May 1, 2026: 5.00% (check rd.usda.gov for updates).

USDA Section 502 Single Family Housing Direct Home Loans (South Carolina) limita il reddito familiare al 80% del reddito mediano dell'area, che varia in base alla contea e alla dimensione del nucleo familiare. Adjusted income must be at or below the low-income limit for the area (generally 80% AMI for low-income; very-low-income = 50% AMI). Payment subsidy further reduces payments. Specific SC county limits at rd.usda.gov/sites/default/files/RD-DirectLimitMap.pdf. I dati sul reddito mediano dell'area sono pubblicati da HUD e aggiornati ogni anno, quindi controlla la tabella attuale della contea prima di basarti su una cifra.

USDA Section 502 Single Family Housing Direct Home Loans (South Carolina) limita il prezzo di acquisto così: Cannot exceed applicable USDA area loan limit (varies by county in SC). I tipi di immobile idonei includono Single Family. Le nuove costruzioni sono idonee. Le case prefabbricate non sono idonee.

USDA Section 502 Single Family Housing Direct Home Loans (South Carolina) si rivolge a chi compra casa in qualsiasi zona di South Carolina. Il programma si rivolge a zone specifiche: USDA-designated rural areas in South Carolina (verify at https://eligibility.sc.egov.usda.gov/eligibility/welcomeAction.do).

Le domande per USDA Section 502 Single Family Housing Direct Home Loans (South Carolina) passano da USDA Rural Development, che pubblica sul proprio sito le condizioni attuali e i passaggi per fare domanda. Hey Prescott non è un istituto di credito e non accetta domande; questa pagina descrive il programma perché chi compra casa possa parlarne con un istituto di credito o un consulente abitativo.