USDA Section 502 Direct Home Loan Program

Ang USDA Section 502 Direct Home Loan Program ay isang unang mortgage para sa mga bibili ng bahay sa Statewide, New Hampshire, na pinangangasiwaan ng USDA Rural Development - Rural Housing Service. The USDA Section 502 Direct Home Loan Program provides direct mortgage financing to low- and very-low-income households buying a home in eligible rural areas of New Hampshire, with no down payment typically required. USDA provides payment-assistance subsidy that can reduce the effective interest rate to as low as 1%. Terms run up to 33 years (38 for qualifying very-low-income borrowers), and the subsidy is subject to recapture when the home is sold or the borrower moves out. No down payment typically required. Payment-assistance subsidy reduces effective rate to as low as 1%. Long repayment terms (up to 33-38 years). Serves low- and very-low-income rural buyers. Direct loan from USDA. Ang pondo ay mula sa USDA Rural Development direct loan funds (Housing Act of 1949; 7 CFR Part 3550).

Ang USDA Section 502 Direct Home Loan Program ay isang unang mortgage at binabayaran ayon sa mga tuntuning itinakda ng USDA Rural Development - Rural Housing Service. Kailangang bayaran kapag may Borrowers must repay all or a portion of the payment-subsidy received over the life of the loan when title transfers or the borrower no longer lives in the dwelling (subsidy recapture). Nakatala ang tulong bilang lien sa posisyong First. Ang mga tuntunin sa pagpapatawad at pagbabayad ay itinatakda ng programa at maaaring magbago — kumpirmahin ang mga ito sa opisyal na pahina ng programa bago mag-apply.

Bukas ang USDA Section 502 Direct Home Loan Program sa mga bibili ng bahay na titira sa bahay bilang pangunahing tirahan. Citizenship o katayuan sa imigrasyon: Must meet U.S. citizenship or eligible-noncitizen requirements. Must buy in a USDA-eligible rural area and meet county low-income limits. Applicant must lack decent/safe/sanitary housing, be unable to obtain credit elsewhere on reasonable terms, occupy the home as primary residence, and meet citizenship requirements. Note interest rate (5.00% effective May 1, 2026) is before payment-assistance subsidy. Applicants with assets above USDA limits may be required to use a portion toward the purchase.

Ganito itinatakda ng USDA Section 502 Direct Home Loan Program ang income limit nito: Applicant's adjusted income must be at or below the applicable low-income limit for the county where the home is located (limits vary by county and household size; published in the USDA Direct Loan income-limit map / Appendix 9). Nalalapat ang limit sa kabuuang kita ng sambahayan, hindi lang sa kita ng nanghihiram. Ang mga numero ng median na kita sa lugar ay inilalathala ng HUD at ina-update taun-taon, kaya tingnan ang kasalukuyang talahanayan para sa county bago umasa sa isang numero.

Ganito nililimitahan ng USDA Section 502 Direct Home Loan Program ang presyo ng pagbili: Property market value may not exceed the applicable USDA area loan limit for the county. Kabilang sa mga kwalipikadong uri ng ari-arian ang Single Family. Kwalipikado ang bagong gawang bahay.

Pinaglilingkuran ng USDA Section 502 Direct Home Loan Program ang mga bibili ng bahay sa Statewide, New Hampshire. Tinutukoy ng programa ang mga partikular na lugar: Available only in USDA-designated eligible rural areas (check the USDA eligibility site by address).

Dumadaan sa USDA Rural Development - Rural Housing Service ang mga aplikasyon para sa USDA Section 502 Direct Home Loan Program, na naglalathala ng kasalukuyang mga tuntunin at mga hakbang sa pag-apply sa sarili nitong site. Nirereserba ang pondo sa pamamagitan ng Applications accepted year-round through the local USDA Rural Development office (NH served via the Vermont/New Hampshire State Office); processing depends on funding availability. Ang Hey Prescott ay hindi nagpapautang at hindi tumatanggap ng aplikasyon; inilalarawan ng pahinang ito ang programa para madala ito ng bibili ng bahay sa isang lender o housing counselor.