USDA Section 502 Guaranteed Loan Program (Rhode Island)

USDA Section 502 Guaranteed Loan Program (Rhode Island)是面向Rhode Island购房者的第一抵押贷款，由USDA Rural Development, Rural Housing Service (Single Family Housing Guaranteed Loan Program), through approved lenders管理。 The USDA Section 502 Guaranteed Loan Program helps approved private lenders provide low- and moderate-income Rhode Island households 100% financing to buy, build, rehabilitate, improve, or relocate a modest home in an eligible rural area as a primary residence. USDA guarantees 90% of the loan note to reduce lender risk, enabling no-money-down 30-year fixed-rate mortgages. Household income may not exceed 115% of area median income, and there is no program credit-score minimum. 100% financing - no down payment required. 30-year fixed rate. No program minimum credit score. Closing costs may be financed where value supports. Wide property eligibility including condos, modular, and manufactured homes. Single-close construction-to-permanent option available. 资金来自USDA provides a 90% loan note guarantee to approved private lenders making 100% financing loans。

USDA Section 502 Guaranteed Loan Program (Rhode Island)是第一抵押贷款，按USDA Rural Development, Rural Housing Service (Single Family Housing Guaranteed Loan Program), through approved lenders设定的条款偿还。 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 Guaranteed Loan Program (Rhode Island)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 program credit score requirement; applicant must demonstrate willingness and ability to manage debt (lender overlays may apply)。 居住要求：Property must be in an eligible USDA-defined rural area of Rhode Island (verify address via the USDA Eligibility Site) and occupied as the primary residence。 公民身份或移民身份：U.S. citizen, U.S. non-citizen national, or Qualified Alien。 Property must be in a USDA-eligible rural area (verify by address at the USDA Eligibility Site). Income may not exceed 115% of area median income. USDA upfront and annual guarantee fees apply. Rates set by individual lenders. NOTE: income_limit_amount uses the 2026 national baseline 4-person figure ($119,850); RI county-specific limits may be higher and should be verified via the USDA income-eligibility lookup.

USDA Section 502 Guaranteed Loan Program (Rhode Island)将家庭收入限制在地区收入中位数的115%，该数值因县和家庭人数而异。 Household income may not exceed 115% of area median income. The 2026 national baseline moderate-income limit is $119,850 for households of 1-4 persons and $158,250 for 5-8 persons; RI county-specific limits may be higher and should be verified via the USDA Income Eligibility lookup (eligibility.sc.egov.usda.gov). NOTE: income_limit_amount reflects the 2026 national baseline 4-person figure; RI-specific county figures may differ. 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 Section 502 Guaranteed Loan Program (Rhode Island)的房价上限如下：No set purchase-price or acreage limit; property must be modest, non-income-producing, and in an eligible rural area。 符合条件的房屋类型包括single_family、condo、townhouse、manufactured和modular。 新建房屋符合条件。 预制房屋符合条件。

USDA Section 502 Guaranteed Loan Program (Rhode Island)服务于在Rhode Island任何地方购房的购房者。

USDA Section 502 Guaranteed Loan Program (Rhode Island)的申请通过USDA Rural Development, Rural Housing Service (Single Family Housing Guaranteed Loan Program), through approved lenders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 on an ongoing basis from approved lenders October 1 - September 30; borrower applies through a USDA-approved lender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。