USDA Section 502 Direct Loan Program (Rhode Island)

USDA Section 502 Direct Loan Program (Rhode Island)은(는) Rhode Island 주택 구매자를 위한 선순위 모기지이며, USDA Rural Development, Rural Housing Service (CT/MA/RI State Office, Amherst MA; Warwick RI Area Office)에서 운영합니다. 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. 재원은 Direct federal appropriation; USDA is the direct lender에서 나옵니다.

USDA Section 502 Direct Loan Program (Rhode Island)은(는) 선순위 모기지이며 USDA Rural Development, Rural Housing Service (CT/MA/RI State Office, Amherst MA; Warwick RI Area Office)에서 정한 조건에 따라 상환합니다. 상환 사유: 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. 지원금은 first 순위로 등기됩니다. 탕감 및 상환 조건은 프로그램이 정하며 바뀔 수 있습니다 — 신청 전에 공식 프로그램 페이지에서 확인하세요.

USDA Section 502 Direct Loan Program (Rhode Island)의 대상: 주택을 주 거주지로 사용할 주택 구매자. 신용에 대해 프로그램은 다음과 같이 명시합니다: No fixed minimum credit score; applicant must demonstrate willingness and ability to repay debt. 거주 요건: 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. 시민권 또는 이민 신분: 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.

USDA Section 502 Direct Loan Program (Rhode Island)의 소득 한도는 다음과 같습니다: 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. 한도는 차입자 본인의 소득만이 아니라 가구 전체 소득에 적용됩니다. 지역 중위 소득 수치는 HUD가 발표하고 매년 갱신하므로, 수치를 믿고 판단하기 전에 해당 카운티의 최신 표를 확인하세요.

USDA Section 502 Direct Loan Program (Rhode Island)의 구매 가격 상한은 다음과 같습니다: Property market value may not exceed the applicable USDA area loan limit for the county (see RD-SFHAreaLoanLimitMap). 대상 주택 유형: single_family. 신축 주택도 대상입니다.

USDA Section 502 Direct Loan Program (Rhode Island)은(는) Rhode Island 어디에서나 주택을 구매하는 주택 구매자를 지원합니다.

USDA Section 502 Direct Loan Program (Rhode Island) 신청은 USDA Rural Development, Rural Housing Service (CT/MA/RI State Office, Amherst MA; Warwick RI Area Office)을(를) 통해 진행되며, 해당 기관이 자체 사이트에 최신 조건과 신청 절차를 게시합니다. 자금 예약: Applications accepted on an ongoing basis from individuals October 1 - September 30 via the local USDA RD office; processing subject to funding availability. Hey Prescott는 대출 기관이 아니며 신청서를 받지 않습니다. 이 페이지는 주택 구매자가 대출 기관이나 주택 상담사에게 가져갈 수 있도록 프로그램을 설명합니다.