USDA Single Family Housing Section 502 Direct Home Loan Program (Montana)

USDA Single Family Housing Section 502 Direct Home Loan Program (Montana)是面向Statewide，Montana购房者的第一抵押贷款，由USDA Rural Development - Montana State Office (Single Family Housing Direct Programs)管理。 The USDA Section 502 Direct Home Loan Program helps low- and very-low-income applicants in eligible rural areas of Montana buy, build, repair, or relocate a modest home with no required down payment. USDA provides the mortgage directly and applies 'payment assistance,' an interest subsidy that can lower the effective rate to as little as 1% based on adjusted family income. Terms run up to 33 years (38 for very-low-income borrowers). The interest subsidy is subject to subsidy recapture when the home is sold or the borrower moves out. No down payment required. Effective rate as low as 1% via payment assistance. Terms up to 33-38 years. Direct federal loan for very-low and low-income rural buyers. Funds purchase, construction, or site improvements. 资金来自Federal appropriations to USDA Rural Development (Section 502 Direct revolving program).

USDA Single Family Housing Section 502 Direct Home Loan Program (Montana)是第一抵押贷款，按USDA Rural Development - Montana State Office (Single Family Housing Direct Programs)设定的条款偿还。 触发还款的情形：Payment-assistance (interest subsidy) is subject to subsidy recapture: borrowers repay all or a portion of the subsidy when title transfers or they no longer occupy the home. 该援助以First (direct mortgage from USDA Rural Development).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 Section 502 Direct Home Loan Program (Montana)面向将房屋作为主要住所自住的购房者。 Applicants must be unable to obtain credit elsewhere, lack adequate housing, and demonstrate ability to repay. Subsidy recapture applies. USDA MT page blocked on direct fetch; verified via official USDA Section 502 Direct fact sheets.

USDA Single Family Housing Section 502 Direct Home Loan Program (Montana)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。 Very-low income is below 50% AMI; low income 50-80% AMI. Most Section 502 Direct assistance targets below 50% AMI. Dollar limits vary by county and household size per USDA Income & Property Eligibility site. 该限制适用于家庭总收入，而不仅是借款人的收入。 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 Section 502 Direct Home Loan Program (Montana)的房价上限如下：No fixed cap; home generally may not exceed the area loan limit and must be modest in size, design, and cost for the area. 符合条件的房屋类型包括Single Family、Condo和Manufactured。 新建房屋符合条件。 预制房屋符合条件。

USDA Single Family Housing Section 502 Direct Home Loan Program (Montana)服务于在Statewide，Montana购房的购房者。

USDA Single Family Housing Section 502 Direct Home Loan Program (Montana)的申请通过USDA Rural Development - Montana State Office (Single Family Housing Direct Programs)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 taken directly by the USDA RD Montana State Office on an ongoing basis (subject to annual funding).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。