USDA Section 502 Direct Home Loan Program (Delaware)

USDA Section 502 Direct Home Loan Program (Delaware)是面向Delaware购房者的第一抵押贷款，由USDA Rural Development – Rural Housing Service (Delaware/Maryland State Office)管理。 The USDA Section 502 Direct Home Loan Program provides direct mortgage financing from USDA Rural Development to low- and very-low-income households buying a home in eligible rural areas of Delaware. Payment assistance is a temporary interest subsidy that can reduce the effective interest rate to as low as 1%, with no down payment typically required and terms up to 33 (or 38) years. The interest subsidy is subject to recapture when the home is sold or no longer occupied by the borrower. No down payment typically required. Effective interest rate as low as 1% with payment assistance. Up to 33-year (38-year for very-low-income) repayment term. Direct USDA financing for rural low-income buyers. Funds can build, repair, renovate or relocate a home. 资金来自Federal direct loan funds appropriated to USDA Rural Development under Section 502 of the Housing Act of 1949 (7 CFR Part 3550).

USDA Section 502 Direct Home Loan Program (Delaware)是第一抵押贷款，按USDA Rural Development – Rural Housing Service (Delaware/Maryland State Office)设定的条款偿还。 触发还款的情形：Borrowers must repay all or a portion of the payment-subsidy received over the life of the loan (subsidy recapture) when title transfers or the borrower no longer occupies the dwelling. 该援助以First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 Section 502 Direct Home Loan Program (Delaware)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 fixed minimum credit score; applicants must demonstrate willingness and ability to repay debt. 公民身份或移民身份：Must meet citizenship or eligible-noncitizen requirements. Not a stand-alone DPA – this is a direct first mortgage with a payment-assistance interest subsidy. Property must be in a USDA-eligible rural area. The 5.125% note rate is effective June 1, 2026 and changes periodically. County-specific income limits and area loan limits apply (consult the USDA eligibility site). Homebuyer education requirement not specified on the program page (left null).

USDA Section 502 Direct Home Loan Program (Delaware)的收入限制如下：Adjusted household income must be at or below the applicable very-low-income or low-income limit for the county where the home is located (per the USDA Direct income-limit tables / eligibility site). 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 Section 502 Direct Home Loan Program (Delaware)的房价上限如下：Property market value cannot exceed the applicable USDA area loan limit for the county. 符合条件的房屋类型包括Single Family。 新建房屋符合条件。 预制房屋符合条件。

USDA Section 502 Direct Home Loan Program (Delaware)服务于在Delaware任何地方购房的购房者。

USDA Section 502 Direct Home Loan Program (Delaware)的申请通过USDA Rural Development – Rural Housing Service (Delaware/Maryland 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 year-round (Oct 1 – Sep 30) through the local Delaware Rural Development office; processing times vary with funding availability.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。