USDA Section 502 Guaranteed Loan — Mississippi

USDA Section 502 Guaranteed Loan — Mississippi是面向Mississippi购房者的第一抵押贷款，由USDA Rural Development, Rural Housing Service管理。 The USDA Section 502 Guaranteed Loan Program (SFHGLP) helps approved lenders provide 100% financing to low- and moderate-income households purchasing in eligible rural areas of Mississippi. The program provides a 90% loan note guarantee to approved lenders, enabling no-money-down purchase, construction, rehabilitation, improvement, or relocation loans. Not restricted to first-time homebuyers. 100% financing — no down payment required. No USDA program minimum credit score. Closing costs may be financed into loan. 30-year fixed rate. 90% loan note guarantee reduces lender risk. Stackable with eligible down payment assistance programs. 资金来自Federal — USDA Rural Housing Service Section 502(h); lenders hold loans with 90% USDA guarantee。

USDA Section 502 Guaranteed Loan — Mississippi是第一抵押贷款，按USDA Rural Development, Rural Housing Service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 — Mississippi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 USDA program minimum credit score; individual approved lenders may require 640+ for GUS automated approval per HB-1-3555 guidance。 居住要求：Must personally occupy the dwelling as primary residence。 公民身份或移民身份：U.S. Citizen, U.S. non-citizen national, or Qualified Alien; must not be suspended or debarred from federal programs。 Property must be in a USDA-eligible rural area (verify at eligibility site). Income includes all adult household members regardless of whether on the loan. Lenders may impose overlays including a minimum credit score (commonly 640 for GUS automated underwriting). 1% upfront guarantee fee and 0.35% annual fee apply (in lieu of PMI). Not available for investment properties, vacation homes, or income-producing properties.

USDA Section 502 Guaranteed Loan — Mississippi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。 Household income cannot exceed 115% of area median household income. Base 2026 standard limit: $119,850 for 1–4 person households; $158,250 for 5–8 person households in most Mississippi counties. Limits vary by county. Verify at eligibility.sc.egov.usda.gov. 该限制适用于家庭总收入，而不仅是借款人的收入。 该项目列出的最大家庭人数为8。 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 — Mississippi的房价上限如下：No set maximum purchase price; loan amount based on appraised value and ability to repay。 符合条件的房屋类型包括Single Family、Townhouse、Condo、PUD、Modular和Manufactured。 新建房屋符合条件。 预制房屋符合条件。

USDA Section 502 Guaranteed Loan — Mississippi服务于在Mississippi任何地方购房的购房者。 该项目针对特定区域：Property must be in a USDA-eligible rural area as defined by USDA. Many Mississippi counties and rural communities qualify. Larger urban cores (Jackson, Gulfport, Hattiesburg) generally not eligible. Verify each address at USDA eligibility site.

USDA Section 502 Guaranteed Loan — Mississippi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 on a rolling basis Oct 1–Sep 30 through USDA-approved lenders via Guaranteed Underwriting System (GUS)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。