source:
  type: regulation
  id: usda-hb-3555-12.8
  authority: USDA Technical Handbook HB-1-3555 §12.8 — Modest Housing
  description: "USDA HB-1-3555 §12.8 (Modest Housing). Gap-fill (verbatim). \n"
obligations:
- id: usda-hb-3555-12.8-0
  canonical_id: usda-hb-3555-12.8-0
  section: USDA HB-1-3555 12.8 — Modest Housing
  description: '12.8 Modest Housing: DEST HOUSING There are no maximum mortgage limits for properties financed under
    the SFHGLP. Modest housing is defined as a new or existing dwelling that a low- or moderate-income borrower
    can afford based on their repayment ability. The property must not be primarily designed for…'
  type: do
  tags:
  - regulator-direct
  - gap-fill
  - usda-hb-3555
  - section-complete
  primary_source:
    tier: 1
    authority: USDA Technical Handbook HB-1-3555 §12.8 — Modest Housing
    source_class: usda-handbook-hb-1-3555
    source_url: https://www.rd.usda.gov/resources/directives/handbooks
    snapshot_id: 0466acd1ea2d17a4
    fetched_at: '2026-06-18T00:00:00+00:00'
    content_hash: sha256:22ac6f998ff72578e318fca138ebe80fb18ae2fc701eb5936172f1842679a13a
    paragraph_quote: DEST HOUSING There are no maximum mortgage limits for properties financed under the SFHGLP.
      Modest housing is defined as a new or existing dwelling that a low- or moderate-income borrower can afford
      based on their repayment ability. The property must not be primarily designed for income producing activity.
    drafter_attestation: Verbatim from HB-1-3555 §12.8 body (max-gap occurrence), snapshot 0466acd1ea2d17a4; substring-verified.
  judgment: false
