USDA Section 502 Direct Single Family Housing Loan (Maine)

USDA Section 502 Direct Single Family Housing Loan (Maine)是面向Statewide，Maine购房者的第一抵押贷款，由USDA Rural Development, Rural Housing Service (Maine State & Area Offices)管理。 The USDA Section 502 Direct Single Family Housing Loan lets low- and very-low-income applicants in eligible rural Maine areas buy, build, repair, renovate, or relocate a home with typically no down payment. USDA directly funds the mortgage and applies 'payment assistance,' a subsidy that can reduce the effective rate to as low as 1%. Applications accepted year-round. No down payment typically required. Direct USDA mortgage. Payment-assistance subsidy can cut the effective rate to as low as 1%. Up to 33-year term (38 yrs for very-low-income). Fixed rate.

USDA Section 502 Direct Single Family Housing Loan (Maine)是第一抵押贷款，按USDA Rural Development, Rural Housing Service (Maine State & Area Offices)设定的条款偿还。 触发还款的情形：Payment-assistance subsidy subject to subsidy recapture upon title transfer or when borrower no longer occupies the dwelling. 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 Single Family Housing Loan (Maine)面向将房屋作为主要住所自住的购房者。 Loan term: Up to 33 years; 38 years for very-low-income applicants who cannot afford the 33-year term. Must buy in an eligible rural area; adjusted income at/below the area low-income limit; credit-elsewhere test; primary residence; citizenship/eligible-noncitizen. Effective national base rate 5.125% as of June 1, 2026 before subsidy; reduced to as low as 1% with payment assistance. Subsidy recaptured at sale/move-out.

USDA Section 502 Direct Single Family Housing Loan (Maine)的收入限制如下：Adjusted income at/below the applicable low-income limit for the area; very-low-income tier qualifies for deeper subsidy and 38-year term. Limits vary by county/household size per USDA Direct Loan income limit map. 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 Single Family Housing Loan (Maine)的房价上限如下：Property market value may not exceed the 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 Single Family Housing Loan (Maine)服务于在Statewide，Maine购房的购房者。

USDA Section 502 Direct Single Family Housing Loan (Maine)的申请通过USDA Rural Development, Rural Housing Service (Maine State & Area Offices)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。