USDA Single Family Housing Direct Home Loans (Section 502 Direct) — Mississippi

USDA Single Family Housing Direct Home Loans (Section 502 Direct) — Mississippi是面向Statewide县，Mississippi购房者的第一抵押贷款，由USDA Rural Development — Mississippi管理。 The USDA Section 502 Single Family Housing Direct Loan Program provides direct government mortgage financing to low- and very-low-income households in eligible rural areas of Mississippi. The program offers payment assistance (subsidy) that reduces the effective mortgage rate to as low as 1% for very low-income borrowers. No down payment is typically required. Applications are accepted year-round through the local USDA Rural Development office in Jackson, MS. The loan can be used to purchase, build, repair, renovate, or relocate a home in an eligible rural area. No down payment typically required. Fixed rate as low as 1% with payment subsidy. Up to 38-year term for very low-income borrowers. Available for purchase, construction, or rehabilitation. Accepted year-round at local USDA RD office. 资金来自Federal appropriations; USDA Rural Housing Service。

USDA Single Family Housing Direct Home Loans (Section 502 Direct) — Mississippi是第一抵押贷款，按USDA Rural Development — Mississippi设定的条款偿还。 触发还款的情形：Borrower is required to repay all or a portion of the payment subsidy received over the life of the loan when title transfers or borrower no longer lives in 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 Single Family Housing Direct Home Loans (Section 502 Direct) — 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 stated minimum credit score; flexible underwriting for creditworthiness and repayment ability. Applicant must be without decent, safe, and sanitary housing. Must demonstrate inability to obtain financing from other sources on reasonable terms. Citizenship or eligible noncitizen requirements apply. Must not be suspended or debarred from federal programs. Interest rate as of June 1, 2026: 5.125% (before payment subsidy). Payment subsidy recapture applies at sale or vacancy. Property must be in a USDA-eligible rural area — verify at the USDA Eligibility Site. Contact Program Director Ivan Kiani at the Jackson MS office.

USDA Single Family Housing Direct Home Loans (Section 502 Direct) — Mississippi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。 Applicants must have adjusted income at or below the applicable low-income limit (generally up to 80% AMI) for the area where they wish to purchase. Very low-income borrowers (up to 50% AMI) receive maximum payment subsidy reducing effective rate to as low as 1%. Income limits vary by county; see USDA eligibility site. 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 (Section 502 Direct) — Mississippi的房价上限如下：Property must not have market value exceeding the applicable area loan limit for the county. No income-producing features allowed. 符合条件的房屋类型包括Single Family、New Construction和Manufactured。 新建房屋符合条件。 预制房屋符合条件。

USDA Single Family Housing Direct Home Loans (Section 502 Direct) — Mississippi服务于在Statewide县，Mississippi购房的购房者。

USDA Single Family Housing Direct Home Loans (Section 502 Direct) — Mississippi的申请通过USDA Rural Development — Mississippi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。