USDA Section 502 Direct Home Loan Program

USDA Section 502 Direct Home Loan Program是面向Statewide，New Hampshire购房者的第一抵押贷款，由USDA Rural Development - Rural Housing Service管理。 The USDA Section 502 Direct Home Loan Program provides direct mortgage financing to low- and very-low-income households buying a home in eligible rural areas of New Hampshire, with no down payment typically required. USDA provides payment-assistance subsidy that can reduce the effective interest rate to as low as 1%. Terms run up to 33 years (38 for qualifying very-low-income borrowers), and the subsidy is subject to recapture when the home is sold or the borrower moves out. No down payment typically required. Payment-assistance subsidy reduces effective rate to as low as 1%. Long repayment terms (up to 33-38 years). Serves low- and very-low-income rural buyers. Direct loan from USDA. 资金来自USDA Rural Development direct loan funds (Housing Act of 1949; 7 CFR Part 3550)。

USDA Section 502 Direct Home Loan Program是第一抵押贷款，按USDA Rural Development - Rural Housing Service设定的条款偿还。 触发还款的情形：Borrowers must repay all or a portion of the payment-subsidy received over the life of the loan when title transfers or the borrower no longer lives in the dwelling (subsidy recapture). 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 Direct Home Loan Program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 U.S. citizenship or eligible-noncitizen requirements. Must buy in a USDA-eligible rural area and meet county low-income limits. Applicant must lack decent/safe/sanitary housing, be unable to obtain credit elsewhere on reasonable terms, occupy the home as primary residence, and meet citizenship requirements. Note interest rate (5.00% effective May 1, 2026) is before payment-assistance subsidy. Applicants with assets above USDA limits may be required to use a portion toward the purchase.

USDA Section 502 Direct Home Loan Program的收入限制如下：Applicant's adjusted income must be at or below the applicable low-income limit for the county where the home is located (limits vary by county and household size; published in the USDA Direct Loan income-limit map / Appendix 9). 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 Section 502 Direct Home Loan Program的房价上限如下：Property market value may not exceed the applicable 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。

USDA Section 502 Direct Home Loan Program服务于在Statewide，New Hampshire购房的购房者。 该项目针对特定区域：Available only in USDA-designated eligible rural areas (check the USDA eligibility site by address).

USDA Section 502 Direct Home Loan Program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 year-round through the local USDA Rural Development office (NH served via the Vermont/New Hampshire State Office); processing depends on funding availability.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。