USDA Single Family Housing Direct Home Loans (Section 502 Direct) — Mississippi

USDA Single Family Housing Direct Home Loans (Section 502 Direct) — Mississippi은(는) Statewide 카운티, Mississippi 주택 구매자를 위한 선순위 모기지이며, USDA Rural Development — Mississippi에서 운영합니다. The USDA Section 502 Single Family Housing Direct Loan Program provides direct government mortgage financing to low- and very-low-income households in eligible rural areas of Mississippi. The program offers payment assistance (subsidy) that reduces the effective mortgage rate to as low as 1% for very low-income borrowers. No down payment is typically required. Applications are accepted year-round through the local USDA Rural Development office in Jackson, MS. The loan can be used to purchase, build, repair, renovate, or relocate a home in an eligible rural area. No down payment typically required. Fixed rate as low as 1% with payment subsidy. Up to 38-year term for very low-income borrowers. Available for purchase, construction, or rehabilitation. Accepted year-round at local USDA RD office. 재원은 Federal appropriations; USDA Rural Housing Service에서 나옵니다.

USDA Single Family Housing Direct Home Loans (Section 502 Direct) — Mississippi은(는) 선순위 모기지이며 USDA Rural Development — Mississippi에서 정한 조건에 따라 상환합니다. 상환 사유: Borrower is required to repay all or a portion of the payment subsidy received over the life of the loan when title transfers or borrower no longer lives in the dwelling. 지원금은 First 순위로 등기됩니다. 탕감 및 상환 조건은 프로그램이 정하며 바뀔 수 있습니다 — 신청 전에 공식 프로그램 페이지에서 확인하세요.

USDA Single Family Housing Direct Home Loans (Section 502 Direct) — Mississippi의 대상: 주택을 주 거주지로 사용할 주택 구매자. 신용에 대해 프로그램은 다음과 같이 명시합니다: No stated minimum credit score; flexible underwriting for creditworthiness and repayment ability. Applicant must be without decent, safe, and sanitary housing. Must demonstrate inability to obtain financing from other sources on reasonable terms. Citizenship or eligible noncitizen requirements apply. Must not be suspended or debarred from federal programs. Interest rate as of June 1, 2026: 5.125% (before payment subsidy). Payment subsidy recapture applies at sale or vacancy. Property must be in a USDA-eligible rural area — verify at the USDA Eligibility Site. Contact Program Director Ivan Kiani at the Jackson MS office.

USDA Single Family Housing Direct Home Loans (Section 502 Direct) — Mississippi은(는) 가구 소득을 지역 중위 소득의 80%로 제한하며, 이 금액은 카운티와 가구 규모에 따라 다릅니다. Applicants must have adjusted income at or below the applicable low-income limit (generally up to 80% AMI) for the area where they wish to purchase. Very low-income borrowers (up to 50% AMI) receive maximum payment subsidy reducing effective rate to as low as 1%. Income limits vary by county; see USDA eligibility site. 지역 중위 소득 수치는 HUD가 발표하고 매년 갱신하므로, 수치를 믿고 판단하기 전에 해당 카운티의 최신 표를 확인하세요.

USDA Single Family Housing Direct Home Loans (Section 502 Direct) — Mississippi의 구매 가격 상한은 다음과 같습니다: Property must not have market value exceeding the applicable area loan limit for the county. No income-producing features allowed. 대상 주택 유형: Single Family, New Construction 및 Manufactured. 신축 주택도 대상입니다. 조립식 주택도 대상입니다.

USDA Single Family Housing Direct Home Loans (Section 502 Direct) — Mississippi은(는) Statewide 카운티, Mississippi에서 주택을 구매하는 주택 구매자를 지원합니다.

USDA Single Family Housing Direct Home Loans (Section 502 Direct) — Mississippi 신청은 USDA Rural Development — Mississippi을(를) 통해 진행되며, 해당 기관이 자체 사이트에 최신 조건과 신청 절차를 게시합니다. Hey Prescott는 대출 기관이 아니며 신청서를 받지 않습니다. 이 페이지는 주택 구매자가 대출 기관이나 주택 상담사에게 가져갈 수 있도록 프로그램을 설명합니다.