USDA Single Family Housing Direct Home Loans

USDA Single Family Housing Direct Home Loans是面向Georgia购房者的第一抵押贷款。 The USDA Section 502 Direct Loan Program provides direct financing to low- and very-low-income borrowers to purchase, build, or repair a primary residence in eligible rural areas. The program offers 100% financing (no down payment required) plus payment assistance that reduces interest rates as low as 1% based on adjusted family income, making homeownership accessible for underserved rural households. 100% financing available with no down payment required. payment assistance can reduce the effective interest rate to as low as 1%. fixed interest rate set by USDA Rural Development. loan terms up to 33 years (38 years for very-low-income applicants). closing costs may be financed into the loan if the appraised value exceeds the purchase price. 资金来自Federal。

USDA Single Family Housing Direct Home Loans是第一抵押贷款，按管理该项目的机构设定的条款偿还。 该援助以1st Lien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 minimum credit score required; willingness and ability to repay evaluated via 24-month credit history。 Property must be in USDA-eligible rural area (population under 35,000); Property size limit of 2,000 sq ft; No in-ground pools or income-producing features; Must be applicant's primary residence; Apply in person at local USDA Rural Development office; Cannot be combined with USDA Guaranteed loans; Payment assistance recaptured if borrower refinances or property is sold; Verify property eligibility at eligibility.sc.egov.usda.gov.

USDA Single Family Housing Direct Home Loans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。 Very low-income (below 50% AMI) and low-income (50-80% AMI) households. At least 40% of program funds must serve very low-income applicants. Income limits vary by county; verify current limits at eligibility.sc.egov.usda.gov. 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可用于Single Family和New Construction。 新建房屋符合条件。

USDA Single Family Housing Direct Home Loans服务于在Georgia任何地方购房的购房者。

USDA Single Family Housing Direct Home Loans的申请通过管理该项目的机构办理，该机构在其网站上公布现行条款和申请步骤。 资金通过N/A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。