USDA Single Family Housing Direct Home Loan (Section 502 Direct)

USDA Single Family Housing Direct Home Loan (Section 502 Direct)是面向Concord, NH (serving VT)，Vermont购房者的第一抵押贷款，由USDA Rural Development (Vermont/New Hampshire State Office)管理。 The Section 502 Direct Loan Program helps low- and very-low-income applicants buy decent, safe, sanitary housing in eligible rural areas by providing payment assistance (subsidy) that can lower the effective interest rate to as little as 1%. No down payment typically required. Applicants apply directly through the USDA VT/NH RD office. No down payment typically required; payment-assistance subsidy can reduce effective interest rate to as low as 1%; up to 33-year term (38 yrs for very-low-income); 100% financing. 资金来自USDA Rural Development (federal)。

USDA Single Family Housing Direct Home Loan (Section 502 Direct)是第一抵押贷款，按USDA Rural Development (Vermont/New Hampshire State Office)设定的条款偿还。 触发还款的情形：Subsidy recapture: borrowers repay all or part of the payment subsidy received when title transfers or the borrower no longer occupies the dwelling。 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)面向将房屋作为主要住所自住的购房者。 502 Direct is a subsidized first mortgage (closest enum). Recapture is subsidy recapture, not IRS MCC-style (recapture_tax=false). 4-person $ income limit varies by county - see linked VT income limits PDF.

USDA Single Family Housing Direct Home Loan (Section 502 Direct)的收入限制如下：Adjusted income at or below the applicable low-income limit for the area (see VT 502 Direct income limits PDF). Subsidy amount based on adjusted family income. 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 Single Family Housing Direct Home Loan (Section 502 Direct)可用于single family和manufactured home (approved parks)。 新建房屋符合条件。 预制房屋符合条件。

USDA Single Family Housing Direct Home Loan (Section 502 Direct)服务于在Concord, NH (serving VT)，Vermont购房的购房者。

USDA Single Family Housing Direct Home Loan (Section 502 Direct)的申请通过USDA Rural Development (Vermont/New Hampshire State Office)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。