Preparation of MacConkey Agar. 1  Suspend the measured amount of powder (See in the agar bottle and generally 50 gram) in 1 L of purified water and mix thoroughly. 2  Heat with frequent agitation and boil for 1 minute to completely dissolve the powder. 3  Autoclave at 121Â°C for 15 minutes.
All USDA loans (purchase and refinance) require a one-time Guarantee Fee that is added to the borrowers loan. The current amount of the USDA guarantee fee is 2%. Example â if a borrower was purchasing a home 100% financing for $150,000, the adjusted loan amount with the 2% USDA guarantee fee would be $153,000. $3,000 added to the base loan amount. In addition to this one time Guarantee Fee, USDA loans also require a annual fee that is added to the monthly mortgage payment. Basically the âannual feeâ is monthly mortgage insurance â or more commonly known as âPMIâ Again, like the above it can have many different names. The current amount of this fee is .5%.
Income is the key difference. USDA Direct Loan â Not as common as the Guaranteed USDA Rural Home Loan. The main reason is that they carry very strict income limitations for qualifying applicants.You must have a very low income (80% of the area median household income) in order to qualify.n most cases, the USDA Rural Home Loan is the least expensive loan to obtain and to maintain. Key differences â. USDA Guaranteed Home Loan â This is the most popular option. It allows prospective home buyers to purchase in a rural designated area and has a higher income limitation than the USDA Direct loan.