USDA Single Family Housing Direct Home Loans (Section 502 Direct) - Nebraska

USDA Single Family Housing Direct Home Loans (Section 502 Direct) - Nebraska是面向Nebraska购房者的第一抵押贷款，由USDA Rural Development, Rural Housing Service - Nebraska State Office管理。 Also known as the Section 502 Direct Loan Program, this USDA Rural Development program assists low- and very-low-income applicants in obtaining decent, safe and sanitary housing in eligible rural areas of Nebraska by providing direct mortgage financing with payment assistance (a subsidy that temporarily reduces the mortgage payment). No down payment is typically required, and the effective interest rate can be reduced to as low as 1% with payment assistance. 100% financing - no down payment typically required. Payment assistance subsidy reduces effective interest rate to as low as 1%. Fixed rate (5.125% as of June 1, 2026 before subsidy). Up to 33-year term (38 years for very-low-income borrowers). Funds may be used to buy, build, repair, renovate, or relocate a home. 资金来自USDA Rural Development (Housing Act of 1949; 7 CFR Part 3550)。

USDA Single Family Housing Direct Home Loans (Section 502 Direct) - Nebraska是第一抵押贷款，按USDA Rural Development, Rural Housing Service - Nebraska State Office设定的条款偿还。 触发还款的情形：Payment subsidy (recapture) repaid when title transfers or 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 Single Family Housing Direct Home Loans (Section 502 Direct) - Nebraska面向将房屋作为主要住所自住的购房者。 公民身份或移民身份：Must meet citizenship or eligible noncitizen requirements。 Property must be located in an eligible rural area (USDA eligibility map) and not exceed the applicable area loan limit; cannot be designed for income-producing activities; applicant must be without decent/safe/sanitary housing and unable to obtain a loan from other resources on reasonable terms; borrowers repay all or a portion of the payment subsidy received when title transfers or they no longer occupy the home (recapture/subsidy recapture).

USDA Single Family Housing Direct Home Loans (Section 502 Direct) - Nebraska的收入限制如下：Adjusted household income must be at or below the applicable low-income limit for the area (USDA Direct income limits by county)。 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 Single Family Housing Direct Home Loans (Section 502 Direct) - Nebraska服务于在Nebraska任何地方购房的购房者。 该项目针对特定区域：Eligible USDA-defined rural areas of Nebraska (verify via USDA eligibility site)。

USDA Single Family Housing Direct Home Loans (Section 502 Direct) - Nebraska的申请通过USDA Rural Development, Rural Housing Service - Nebraska State Office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。