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The US Department of Agriculture (USDA), supports the ability of very low-, low-, and moderate-income Americans in rural areas of the country to own a home. The Section 502 Single Family Direct Program targets very low- and low-income rural households while the Single Family Guaranteed Program assists low- and moderate-income rural households. [1] Use of these programs peaked in two different periods. Activity under the 502 Direct Program peaked in 1976 while the 502 Guaranteed Program reached a zenith in 2013. According to the current budget scoring rules, the 502 Direct Program is a net cost to the federal government while the 502 Guaranteed Program generates a net surplus. According to the Federal Credit Supplement of the Budget of the U. Government, the subsidy rate in fiscal year 2016 on the 502 Direct program was 6.75 in Fiscal Year 2016 while the subsidy rate on the 502 Guaranteed program was -0.15 (Figure 1)S A program has a positive subsidy rate when the estimated cost to the government of providing credit exceeds the estimated collections from repayments, interest, and fees.

Homeowners Splurge on Master Bath Shower Features, Study Finds

Although master bathrooms continue to be one of the most popular rooms to renovate, the features within the spaces have evolved over the years. According to the 2017 Houzz Bathroom Trends Study, released today, statement showers with more square footage, high-end features, such as rainfall showerheads, and accessible amenities are some of the most preferred additions in remodels.