USDA Section 502 Direct Home Loan (Kentucky)

USDA Section 502 Direct Home Loan (Kentucky)是面向Kentucky购房者的第一抵押贷款，由USDA Rural Development - Rural Housing Service管理。 The Section 502 Direct Home Loan Program helps low- and very-low-income Kentuckians buy decent, safe and sanitary housing in eligible rural areas by lending directly through USDA Rural Development with no down payment typically required. Payment assistance (a subsidy that can lower the effective rate to as low as 1%) reduces the monthly payment based on adjusted family income. As of June 1, 2026 the note rate is 5.125%, with terms up to 33 years (38 for very-low-income borrowers). Applications are accepted year-round at local Kentucky RD offices. No down payment typically required. Payment subsidy can lower effective rate to as low as 1%. Up to 33-year (38-year for very-low-income) repayment. Direct federal lending. Available statewide in eligible rural areas. 资金来自USDA Rural Development (Housing Act of 1949, 7 CFR Part 3550)。

USDA Section 502 Direct Home Loan (Kentucky)是第一抵押贷款，按USDA Rural Development - Rural Housing Service设定的条款偿还。 触发还款的情形：Payment assistance (subsidy) recapture: all or a portion of the subsidy received must be repaid 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 (Kentucky)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 hard minimum nationally; applicant must show willingness and ability to repay (lenders/packagers commonly reference ~640). GAP: county-level income/area loan limits, credit score floor, manufactured-home and homebuyer-education specifics not captured (see USDA Direct income and area loan limit maps). Direct first mortgage with embedded payment-assistance subsidy rather than a standalone DPA grant; subsidy recapture applies on sale/move-out.

USDA Section 502 Direct Home Loan (Kentucky)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 at or below the applicable low-income limit for the area; see USDA Direct income limit map for Kentucky counties. 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 (Kentucky)的房价上限如下：Property market value must not 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。

USDA Section 502 Direct Home Loan (Kentucky)服务于在Kentucky任何地方购房的购房者。 该项目优先考虑指定的目标区域，因此除了县以外，具体地址也很重要。

USDA Section 502 Direct Home Loan (Kentucky)的申请通过USDA Rural Development - Rural Housing Service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 year-round (Oct 1 - Sep 30 cycle) through local Kentucky USDA Rural Development offices.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。