USDA Single Family Housing Direct Home Loans (Section 502 Direct) - Arizona

USDA Single Family Housing Direct Home Loans (Section 502 Direct) - Arizona是面向Arizona购房者的第一抵押贷款，由USDA Rural Development, Rural Housing Service - Arizona State Office管理。 The USDA Section 502 Direct Home Loan Program helps low- and very-low-income applicants in eligible rural areas of Arizona obtain decent, safe and sanitary housing by lending directly to borrowers and providing payment assistance (a temporary interest subsidy) to increase repayment ability. Loans typically require no down payment and can fund purchase, construction, repair, renovation or relocation of a home, including site costs and water/sewer facilities. With payment assistance the effective interest rate can be reduced to as low as 1%. The program is open year-round through the Arizona State Office and local Rural Development offices. 资金来自Federal appropriations - USDA Rural Housing Service direct loan funds (Housing Act of 1949, Section 502; 7 CFR Part 3550)。

USDA Single Family Housing Direct Home Loans (Section 502 Direct) - Arizona是第一抵押贷款，按USDA Rural Development, Rural Housing Service - Arizona State Office设定的条款偿还。 触发还款的情形：Payment-assistance subsidy is recaptured (all or a portion) when the title transfers or the borrower no longer lives in the dwelling. 该援助以First lien (direct mortgage from USDA)顺位留置权登记。 免除和还款条款由项目设定，并可能变化——申请前请在项目官方网页上确认。

USDA Single Family Housing Direct Home Loans (Section 502 Direct) - Arizona面向将房屋作为主要住所自住的购房者。 关于信用，该项目说明：No published minimum credit score; applicant must demonstrate willingness and ability to repay. 居住要求：Property must be located in a USDA-eligible rural area of Arizona (generally areas with population under 35,000; verify via USDA Eligibility Site). 公民身份或移民身份：U.S. citizen, U.S. non-citizen national, or qualified alien. Applicant must be without decent/safe/sanitary housing, unable to obtain a loan on reasonable terms elsewhere, occupy the home as primary residence, have legal capacity, meet citizenship/eligible-noncitizen requirements, and not be suspended/debarred. Property must not exceed the county area loan limit and may not be income-producing. Payment subsidy (subsidy recapture) must be repaid in whole or part on title transfer or when the borrower no longer occupies the home.

USDA Single Family Housing Direct Home Loans (Section 502 Direct) - Arizona将家庭收入限制在地区收入中位数的80%，该数值因县和家庭人数而异。 Adjusted household income must be at or below the applicable low-income (or very-low-income) limit for the county; limits vary by Arizona county per the USDA Direct Loan income limit map. Very-low-income borrowers may qualify for a 38-year term. 该限制适用于家庭总收入，而不仅是借款人的收入。 地区收入中位数由HUD公布并每年更新，因此在依据某个数字之前，请查看该县的最新表格。

USDA Single Family Housing Direct Home Loans (Section 502 Direct) - Arizona的房价上限如下：Property market value may not exceed the applicable USDA area loan limit for the county where the property is located. 符合条件的房屋类型包括Single-family detached和Modest single-family home in eligible rural area。 新建房屋符合条件。 预制房屋符合条件。

USDA Single Family Housing Direct Home Loans (Section 502 Direct) - Arizona服务于在Arizona任何地方购房的购房者。 该项目针对特定区域：Available only in USDA-designated eligible rural areas of Arizona.

USDA Single Family Housing Direct Home Loans (Section 502 Direct) - Arizona的申请通过USDA Rural Development, Rural Housing Service - Arizona State Office办理，该机构在其网站上公布现行条款和申请步骤。 资金通过Applications accepted on an ongoing basis October 1 - September 30 through local Rural Development offices; processing depends on funding availability and demand.预留。 Hey Prescott不是贷款机构，也不受理申请；本页介绍该项目，方便购房者向贷款机构或住房咨询师咨询。