SLVHC Down Payment Assistance Program

SLVHC Down Payment Assistance Program هو قرض ثانٍ مؤجَّل لمشتري المنازل في مقاطعة Multiple (Alamosa, Conejos, Costilla, Mineral, Rio Grande, Saguache)، Colorado. The San Luis Valley Housing Coalition Down Payment Assistance Program (general track) is the standard SLVHC DPA offering for income-qualified homebuyers in the six-county San Luis Valley region. Funded through Housing Development Grant (HDG) funds from the Colorado Division of Housing, the program provides a low-interest amortizing second-mortgage loan to cover down payment and closing costs on a primary-residence home purchase. Loans carry a fixed 0-2% interest rate (with broader 1-5% range cited on the SLVHC About Us page across program tiers), are amortized over 5 years or longer based on affordability, and are secured by a Deed of Trust. Buyers contribute as little as $1,000 of their own funds. Loan amounts vary up to $19,500 depending on purchase price. Monthly payments deposit into a Revolving Loan Fund. Borrowers must complete the CRHDC First Time Home Buyers class. SLVHC has expanded its DPA income limits to up to 120% AMI as of July 2025; the lower-tier income range ($79,126-$122,100) reported on DPA One reflects the prior 100% AMI eligibility tier. Low-interest amortizing loan (0% to 2% fixed. range up to 5% per About Us page) for the down payment and closing costs on a primary-residence home purchase in the San Luis Valley. Loan amount up to $19,500. Borrower contribution as low as $1,000 of buyer's own funds. Loans amortized over 5 years or longer based on affordability. Secured by Deed of Trust against the home. Monthly payments deposited into a Revolving Loan Fund. يأتي التمويل من State، HDG (Colorado Division of Housing Housing Development Grant) وRevolving Loan Fund.

SLVHC Down Payment Assistance Program مؤجَّل، لذا لا تُستحق أي دفعات حتى يُباع المنزل أو يُعاد تمويله أو يُسدَّد الرهن العقاري الأول بالكامل. يُستحق السداد عند Monthly amortizing payments per loan note، secured by Deed of Trust against the home وbalance due at sale, refinance, or transfer. تُسجَّل المساعدة في مرتبة الرهن: 2. يحدد البرنامج شروط الإعفاء والسداد وقد تتغير؛ تحقّق منها في الصفحة الرسمية للبرنامج قبل التقديم.

SLVHC Down Payment Assistance Program مفتوح أمام مشتري المنازل الذين سيسكنون المنزل كمسكن رئيسي. بشأن الائتمان، ينص البرنامج على: Not separately published; subject to underlying first-mortgage lender requirements. يلزم إكمال دورة لمشتري المنازل، عبر Community Resources and Housing Development Corporation (CRHDC) — First Time Home Buyer class, free first Saturday each month (call 589-1680) or online for a fee at https://crhdc.org/. شرط الإقامة: Property must be located in the San Luis Valley (Alamosa, Conejos, Costilla, Mineral, Rio Grande, or Saguache County, Colorado) and used as borrower's primary residence. Property must be borrower's primary residence post-purchase. Borrower must have permanent first-mortgage financing through a lending institution. Borrower must complete the CRHDC 'First Time Home Buyers' class (free monthly in-person or paid online). Loan secured by Deed of Trust. Minimum $1,000 of borrower's own funds toward down payment. Income reviewed annually.

يحدد SLVHC Down Payment Assistance Program دخل الأسرة بما لا يتجاوز 100% من الدخل الوسيط في المنطقة، وهو يختلف بحسب المقاطعة وحجم الأسرة. DPA One profile reports income range of $79,126 (1-person, low end) to $122,100 (5-person upper limit, ~100% AMI tier). Current published SLVHC limits as of July 2025 (now extended to 120% AMI) are: 1 person $85,680; 2 persons $97,920; 3 persons $110,160; 4 persons $122,400; 5 persons $132,240. Income limits are updated annually; contact SLVHC for current figures. ينطبق الحد على إجمالي دخل الأسرة، وليس على دخل المقترض وحده. تنشر HUD أرقام الدخل الوسيط في المنطقة وتحدّثها سنويًا، لذا راجع الجدول الحالي للمقاطعة قبل الاعتماد على أي رقم.

يضع SLVHC Down Payment Assistance Program حدًا لسعر الشراء على النحو التالي: Loan amount tied to purchase price of the home; SLVHC DPA loan up to $19,500 maximum. تشمل أنواع العقارات المؤهلة Single-family detached، Townhome وCondominium (warrantable, per first-mortgage overlays). المنازل حديثة البناء مؤهلة.

يخدم SLVHC Down Payment Assistance Program مشتري المنازل الذين يشترون في مقاطعة Multiple (Alamosa, Conejos, Costilla, Mineral, Rio Grande, Saguache)، Colorado.

تُقدَّم طلبات SLVHC Down Payment Assistance Program عبر الجهة المسؤولة عن إدارة البرنامج، التي تنشر الشروط الحالية وخطوات التقديم على موقعها. تُحجز الأموال عبر Direct application to SLVHC; intake handled by DPA Loan Specialist (Jo Manzanares, dpa@slvhc.com). Hey Prescott ليست جهة إقراض ولا تقبل الطلبات؛ تصف هذه الصفحة البرنامج ليتمكن مشتري المنزل من عرضه على جهة إقراض أو مستشار إسكان.