USDA Single Family Housing Direct Home Loan (Section 502 Direct, New Mexico)

USDA Single Family Housing Direct Home Loan (Section 502 Direct, New Mexico)是面向Albuquerque，New Mexico购房者的第一抵押贷款，由USDA Rural Development - New Mexico State Office管理。 The USDA Section 502 Direct Loan Program helps low- and very-low-income New Mexicans buy, build, or repair homes in eligible rural areas with no down payment typically required. USDA provides a payment assistance subsidy that can reduce the effective interest rate to as low as 1% based on adjusted family income. Effective June 1, 2026, the base interest rate is 5.125%, with terms up to 33 years (38 years for very-low-income borrowers). The program is currently open and applications are accepted year-round through the NM State Office. No down payment typically required. Payment subsidy can reduce effective rate to as low as 1%. Up to 33-year (or 38-year) terms. Direct loan from USDA. Available year-round statewide in eligible rural areas. 资金来自USDA Rural Development (Housing Act of 1949, 7 CFR Part 3550)。

USDA Single Family Housing Direct Home Loan (Section 502 Direct, New Mexico)是第一抵押贷款，按USDA Rural Development - New Mexico State Office设定的条款偿还。 触发还款的情形：Payment subsidy (recapture) repaid in full or in part when title transfers or the borrower no longer occupies the home。 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 Loan (Section 502 Direct, New Mexico)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 fixed minimum; applicants must demonstrate willingness and ability to repay debt。 居住要求：Home must be located in an eligible rural area of New Mexico (per USDA eligibility map)。 Payment subsidy is subject to recapture when title transfers or the borrower stops occupying the home. GAP: per-county income and area loan limits, and whether manufactured homes qualify in NM, vary - verify via USDA eligibility tools. Direct first-lien loan with embedded payment-assistance subsidy rather than a standalone DPA.

USDA Single Family Housing Direct Home Loan (Section 502 Direct, New Mexico)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。 Adjusted income at or below the applicable low-income (or very-low-income) limit for the area; limits vary by county and household size. 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 Loan (Section 502 Direct, New Mexico)的房价上限如下：Property market value may not exceed the applicable RD 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 Single Family Housing Direct Home Loan (Section 502 Direct, New Mexico)服务于在Albuquerque，New Mexico购房的购房者。 该项目优先考虑指定的目标区域，因此除了县以外，具体地址也很重要。

USDA Single Family Housing Direct Home Loan (Section 502 Direct, New Mexico)的申请通过USDA Rural Development - New Mexico State Office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 at the local RD office (program year Oct 1 - Sep 30); processed subject to 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。