USDA Rural Development Section 502 Direct Loan Program (Kansas)

USDA Rural Development Section 502 Direct Loan Program (Kansas)是面向Rural Kansas – eligible rural areas only，Kansas购房者的第一抵押贷款，由USDA Rural Development, Kansas State Office管理。 The USDA Section 502 Direct Loan Program provides financing to low- and very-low-income applicants for purchase, construction, repair, or renovation of homes in eligible rural areas of Kansas. The program offers a fixed-rate mortgage with payment assistance that can reduce the effective interest rate to as low as 1%, and requires no down payment. Applications are accepted year-round through local USDA Rural Development offices. No down payment required. Fixed interest rate (5.125% as of June 2026, reducible to 1% with payment assistance). Up to 38-year term. Available for purchase, construction, or renovation. No prepayment penalty. 资金来自USDA Housing Act of 1949, Section 502; federal appropriations。

USDA Rural Development Section 502 Direct Loan Program (Kansas)是第一抵押贷款，按USDA Rural Development, Kansas State Office设定的条款偿还。 触发还款的情形：Borrowers must repay all or portion of payment subsidy received over life of loan when title transfers or borrower no longer occupies the dwelling. 该援助以First mortgage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 Rural Development Section 502 Direct Loan Program (Kansas)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 specified minimum FICO; must demonstrate willingness and ability to repay. See USDA credit requirements document. 公民身份或移民身份：U.S. citizen or eligible non-citizen. Must not be debarred or suspended from federal programs. Applicant must be without decent housing and unable to obtain financing elsewhere. Property must be in USDA-eligible rural area (check eligibility.sc.egov.usda.gov). Interest rate of 5.125% effective June 1, 2026 (verified from USDA Kansas state page). Payment subsidy recapture applies. Federal program — eligible_veteran and other special populations set false because program does not give enhanced terms to these groups specifically.

USDA Rural Development Section 502 Direct Loan Program (Kansas)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。 Must be at or below the applicable low-income limit for the area (county-specific; generally at or below 80% AMI for 'low income' or lower for 'very low income'). See USDA income eligibility map at rd.usda.gov for Kansas county-specific limits. 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 Rural Development Section 502 Direct Loan Program (Kansas)的房价上限如下：Home must not exceed the applicable area loan limit per county (see USDA area loan limit map). 符合条件的房屋类型包括Single Family和Manufactured。 新建房屋符合条件。 预制房屋符合条件。

USDA Rural Development Section 502 Direct Loan Program (Kansas)服务于在Rural Kansas – eligible rural areas only，Kansas购房的购房者。

USDA Rural Development Section 502 Direct Loan Program (Kansas)的申请通过USDA Rural Development, Kansas State Office办理，该机构在其网站上公布现行条款和申请步骤。 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。