USDA Section 502 Single Family Housing Direct Home Loans (South Carolina)

USDA Section 502 Single Family Housing Direct Home Loans (South Carolina)是面向South Carolina购房者的第一抵押贷款，由USDA Rural Development管理。 USDA Rural Development's Section 502 Direct Loan Program provides low- and very-low-income rural homebuyers with a subsidized fixed-rate mortgage and payment assistance that can reduce the effective interest rate to as low as 1%. No down payment is typically required. The program assists applicants who cannot obtain credit elsewhere. As of May 1, 2026, the base interest rate is 5.00%. Payment assistance reduces actual payment based on adjusted family income. Property must be in USDA-eligible rural area in South Carolina. No down payment typically required. Interest rate as low as 1% with payment subsidy. 33-38 year loan term. Available year-round. No pre-payment penalty. Funds can also be used to build or renovate. 资金来自USDA Rural Development federal appropriations。

USDA Section 502 Single Family Housing Direct Home Loans (South Carolina)是第一抵押贷款，按USDA Rural Development设定的条款偿还。 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 Single Family Housing Direct Home Loans (South Carolina)面向将房屋作为主要住所自住的购房者。 居住要求：Must be US citizen, permanent resident, or eligible noncitizen。 Applicants must demonstrate inability to obtain credit from other sources on reasonable terms. Cannot be suspended or debarred from federal programs. Payment assistance must be repaid (all or portion) when title transfers or borrower no longer occupies. Processing times vary by funding availability and demand. Contact SC USDA RD office for current waiting times. Applicants may use the USDA Self-Assessment Tool before applying at eligibility.sc.egov.usda.gov. Current rate effective May 1, 2026: 5.00% (check rd.usda.gov for updates).

USDA Section 502 Single Family Housing Direct Home Loans (South Carolina)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 must be at or below the low-income limit for the area (generally 80% AMI for low-income; very-low-income = 50% AMI). Payment subsidy further reduces payments. Specific SC county limits at rd.usda.gov/sites/default/files/RD-DirectLimitMap.pdf. 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 Single Family Housing Direct Home Loans (South Carolina)的房价上限如下：Cannot exceed applicable USDA area loan limit (varies by county in SC)。 符合条件的房屋类型包括Single Family。 新建房屋符合条件。 预制房屋不符合条件。

USDA Section 502 Single Family Housing Direct Home Loans (South Carolina)服务于在South Carolina任何地方购房的购房者。 该项目针对特定区域：USDA-designated rural areas in South Carolina (verify at https://eligibility.sc.egov.usda.gov/eligibility/welcomeAction.do)。

USDA Section 502 Single Family Housing Direct Home Loans (South Carolina)的申请通过USDA Rural Development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。