USDA Rural Housing Loans

USDA Rural Housing Loans是面向Texas购房者的第一抵押贷款。 USDA Rural Development Section 502 Guaranteed Loan Program offers 100% financing (no down payment) for low-to-moderate income households purchasing in eligible rural areas of Texas. Features competitive fixed rates, no PMI, and flexible credit standards. Upfront guarantee fee of 1% and annual fee of 0.35% apply instead of PMI. $0 down payment required. 100% financing available. competitive fixed interest rates. no private mortgage insurance (PMI). flexible credit requirements (minimum 640 score). no first-time homebuyer requirement. upfront guarantee fee of 1% can be financed into loan. annual fee of 0.35% (much lower than FHA MIP). seller concessions up to 6% allowed. available for purchase of modest single-family homes in USDA-eligible rural areas of Texas. 资金来自Federal。

USDA Rural Housing Loans是第一抵押贷款，按管理该项目的机构设定的条款偿还。 触发还款的情形：Sale、Refinance和No Longer Primary。 该援助以1st Lien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 Rural Housing Loans面向将房屋作为主要住所自住的购房者。 该项目列出的最低信用分数为640。 居住要求：No Requirement。 公民身份或移民身份：Legal Resident。 U.S. Citizen, non-citizen national, or Qualified Alien required. Property must be located in a USDA-eligible rural area. No first-time homebuyer requirement. Income must not exceed 115% of area median income.

USDA Rural Housing Loans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。 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 Rural Housing Loans可用于Single Family、Townhouse、Manufactured Home、Modular Home和New Construction。 新建房屋符合条件。 预制房屋符合条件。

USDA Rural Housing Loans服务于在Texas任何地方购房的购房者。 该项目针对特定区域：Available in USDA-eligible rural areas of Texas. Eligible areas are generally communities with populations under 35,000 that are not adjacent to large metropolitan areas. Use the USDA Property Eligibility Map to verify a specific address. Many suburban and exurban Texas communities qualify. Major metropolitan areas (Houston, Dallas, Austin, San Antonio core areas) are generally ineligible.

USDA Rural Housing Loans的申请通过管理该项目的机构办理，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。