Homes by CFE Down Payment Assistance Program

Homes by CFE Down Payment Assistance Program هو قرض بمشاركة ارتفاع القيمة لمشتري المنازل في Washington، District of Columbia، وتديره City First Homes, Inc. (dba Homes by CFE). Homes by CFE is a Special Purpose Credit Program from City First Homes (a DC-government-supported 501(c)(3), NMLS #1503997) that provides up to 20% of a home's purchase price (max $100,000) as down payment assistance, plus up to $10,000 in closing cost assistance for borrowers at or below 100% MFI. The borrower makes interest-only monthly payments, and the total assistance is repaid when the home is sold or refinanced. The program is designed to expand homeownership for African American/Black and Hispanic/Latinx households in DC. Up to 20% of purchase price (max $100,000) DPA. Up to $10,000 additional closing cost assistance for borrowers at/below 100% MFI. Interest-only repayment during loan term. Loan reduced if borrower contributes more own funds. Designed to close the financing gap for Black and Hispanic/Latinx DC buyers. يأتي التمويل من City First Homes / City First Enterprises (CFE) nonprofit capital; supported by the DC government.

يقدم Homes by CFE Down Payment Assistance Program مساعدة تصل إلى $100,000. فئات المنحة: Up to 20% of purchase price (max $100,000) for borrowers at/below 120% MFI; borrowers at/below 100% MFI may also receive up to an additional $10,000 in closing cost assistance. مساهمة مشتري المنزل: No stated minimum borrower contribution; if borrower contributes more own funds, Homes by CFE reduces the loan amount accordingly. يمكن الجمع بين البرنامج وBorrower must obtain a separate first trust mortgage; lender must accept the Homes by CFE DPA loan terms. المبالغ هي الحدود القصوى التي ينشرها البرنامج، وليست عرضًا؛ City First Homes, Inc. (dba Homes by CFE) هي التي تحدد أي مبلغ يُمنح لكل شخص.

Homes by CFE Down Payment Assistance Program هو قرض بمشاركة ارتفاع القيمة ويُسدَّد وفق الشروط التي تحددها City First Homes, Inc. (dba Homes by CFE). يُستحق السداد عند Total assistance (down payment + any closing cost assistance) is repaid when the property is sold or refinanced. Borrower makes monthly interest-only payments for the term of the loan until then. تُسجَّل المساعدة في مرتبة الرهن: Second (subordinate to first trust mortgage). يحدد البرنامج شروط الإعفاء والسداد وقد تتغير؛ تحقّق منها في الصفحة الرسمية للبرنامج قبل التقديم.

Homes by CFE Down Payment Assistance Program مفتوح أمام مشتري المنازل لأول مرة ومشتري المنازل الذين سيسكنون المنزل كمسكن رئيسي. لعبارة "لأول مرة" استثناءات هنا: FHA first-time homebuyer definition (no principal-residence ownership in past 3 years). Exceptions: single parents/displaced homemakers who only owned with a former spouse; persons who only owned a non-permanently-affixed residence or non-code-compliant property. بشأن الائتمان، ينص البرنامج على: Not published; borrower must qualify for a first trust mortgage. Special Purpose Credit Program designed for borrowers locked out of homeownership. يلزم إكمال دورة لمشتري المنازل، عبر Homeownership counseling (certificate required) plus the mandatory Homes by CFE homebuyer orientation. شرط الإقامة: Property must be purchased in the District of Columbia and occupied as primary residence. SPECIAL PURPOSE CREDIT PROGRAM: borrower must identify as African American/Black or Hispanic/Latinx to qualify (race/ethnicity restricted). After closing, borrower may not have more than six months of cash reserves (excludes 401(k)s). Gaps: exact min credit score, max DTI, annual funding cap, eligible mortgage products, and exact 4-person income dollar limit not published.

يحدد Homes by CFE Down Payment Assistance Program دخل الأسرة بما لا يتجاوز 120% من الدخل الوسيط في المنطقة، وهو يختلف بحسب المقاطعة وحجم الأسرة. Income must fall below 120% Median Family Income (MFI) for household size, based on DC DHCD Inclusionary Zoning income limits (updated annually). Co-borrower income included. Borrowers at/below 100% MFI qualify for additional $10,000 closing cost assistance. 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 Homes by CFE Down Payment Assistance Program حدًا أقصى لسعر الشراء قدره $584,400. تشمل أنواع العقارات المؤهلة Single Family، Condo وCooperative.

يخدم Homes by CFE Down Payment Assistance Program مشتري المنازل الذين يشترون في Washington، District of Columbia.

تُقدَّم طلبات Homes by CFE Down Payment Assistance Program عبر City First Homes, Inc. (dba Homes by CFE)، التي تنشر الشروط الحالية وخطوات التقديم على موقعها. تُحجز الأموال عبر Apply via online program application; a team member contacts applicant within 48 hours; approval to loan issuance within 3 business days of receiving all documentation. Hey Prescott ليست جهة إقراض ولا تقبل الطلبات؛ تصف هذه الصفحة البرنامج ليتمكن مشتري المنزل من عرضه على جهة إقراض أو مستشار إسكان.