USDA Section 502 Guaranteed Loan Program (Delaware)

USDA Section 502 Guaranteed Loan Program (Delaware)是面向Delaware购房者的第一抵押贷款，由USDA Rural Development – Rural Housing Service (Single Family Housing Guaranteed Loan Program)管理。 The USDA Section 502 Guaranteed Loan Program enables approved private lenders to offer 100% financing (no down payment) to low- and moderate-income buyers purchasing a primary residence in eligible rural areas of Delaware. USDA provides a 90% loan note guarantee to reduce lender risk. Income cannot exceed 115% of area median income, and the loan is a 30-year fixed-rate first mortgage. 100% financing – no down payment required. 30-year fixed rate. No fixed minimum credit score (lender overlays may apply). Closing costs may be included in the loan. Can be combined with state/local DPA. 资金来自Federal loan guarantee program under Section 502(h) of the Housing Act of 1949 (7 CFR Part 3555); USDA provides a 90% loan note guarantee to approved private lenders.

USDA Section 502 Guaranteed Loan Program (Delaware)是第一抵押贷款，按USDA Rural Development – Rural Housing Service (Single Family Housing Guaranteed Loan Program)设定的条款偿还。 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 Guaranteed 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：Program has no fixed credit-score requirement; applicants must demonstrate willingness and ability to manage debt (lender overlays may apply). 公民身份或移民身份：Must be a U.S. citizen, U.S. non-citizen national, or qualified alien. Not a stand-alone DPA – this is a guaranteed first-mortgage product (included per the research scope's federal/state-administered category). Property must be in a USDA-eligible rural area. Upfront and annual guarantee fees apply. Phone number is the general Delaware RD office; the Guaranteed program is accessed via approved lenders, not directly through USDA. County income limits apply (consult USDA eligibility site).

USDA Section 502 Guaranteed Loan Program (Delaware)将家庭收入限制在地区收入中位数的115%，该数值因县和家庭人数而异。 Adjusted household income cannot exceed 115% of the area median household income for the county (per the USDA Guaranteed income-eligibility 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 Guaranteed Loan Program (Delaware)可用于Single Family、Condo、Townhouse和Manufactured。 新建房屋符合条件。 预制房屋符合条件。

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

USDA Section 502 Guaranteed Loan Program (Delaware)的申请通过USDA Rural Development – Rural Housing Service (Single Family Housing Guaranteed Loan Program)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 (Oct 1 – Sep 30) through USDA-approved lenders.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。