Keys4You Home Loan

Keys4You Home Loan هو قرض ثانٍ مؤجَّل لمشتري المنازل في Delaware، وتديره Delaware State Housing Authority (DSHA). Keys4You is a DSHA down payment and closing cost assistance second loan equal to 4% of the first mortgage loan amount, offered under both the Welcome Home (first-time buyer) and Open Door (first-time and repeat buyer) programs. It carries 0% interest with no monthly payment; repayment is deferred until refinance, sale, transfer of title, or the home ceasing to be the primary residence. It is one of DSHA's expanded DPA tiers launched with the April 2026 Delaware Mortgage Program rebrand. 4% of first mortgage as down payment/closing cost assistance. 0% interest, no monthly payment. Deferred repayment until sale/refinance/transfer/non-occupancy. Available to both first-time and repeat buyers (via Open Door). Pairs with below-market DSHA first mortgage. يأتي التمويل من DSHA funds (table-funded at closing by DSHA).

Keys4You Home Loan مؤجَّل، لذا لا تُستحق أي دفعات حتى يُباع المنزل أو يُعاد تمويله أو يُسدَّد الرهن العقاري الأول بالكامل. يُستحق السداد عند Principal deferred (no monthly payment) and becomes repayable upon the earliest of: refinance, sale of home, transfer of title, the property is no longer the borrower's primary residence, or 30 years from the date of the mortgage note. تُسجَّل المساعدة في مرتبة الرهن: Second lien. يحدد البرنامج شروط الإعفاء والسداد وقد تتغير؛ تحقّق منها في الصفحة الرسمية للبرنامج قبل التقديم.

Keys4You Home Loan مفتوح أمام مشتري المنازل الذين سيسكنون المنزل كمسكن رئيسي. بشأن الائتمان، ينص البرنامج على: Minimum FICO 620. Applicants with FICO 659 or below must complete homeownership education through a Delaware HUD-approved housing counseling agency. Manufactured homes: FHA min 660 / USDA min 640. Manual underwrite (FHA only) min 660 with max 43% DTI. شرط الإقامة: Property must be located in Delaware and used as the borrower's primary residence. Must be paired with a DSHA first mortgage. Borrower may use only one DPA second loan program. Lender must deliver second-loan post-closing packet to DSHA within 1-2 business days of closing. DTI, max household size, max liquid assets, min contribution, new-construction eligibility, HOA, and acreage limits not specified on official sources reviewed (governed by AUS and Master Servicer/agency product guidelines). Exact Keys4You-specific term sheet/addendum not yet published separately; details confirmed from the DSHA Homeownership Loans page and April 2026 rebrand press release.

يحدد Keys4You Home Loan حد الدخل على النحو التالي: Welcome Home limits (by household size): New Castle County $119,400 (1-2 person) / $137,310 (3+ person); Kent & Sussex $108,800 (1-2) / $125,120 (3+). Targeted-area Welcome Home limits: New Castle $143,280 / $167,160; Kent & Sussex $130,560 / $152,320. Open Door limits: New Castle $143,280 (1-2) / $179,100 (3+); Kent & Sussex $130,560 (1-2) / $163,200 (3+). Income counted for those on the note and/or mortgage only. 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 Keys4You Home Loan حدًا أقصى لسعر الشراء قدره $617,241. تشمل أنواع العقارات المؤهلة Single-family detached، Townhouse/row house/patio home (attached)، 1-4 unit dwellings، Condominium وManufactured home (FHA or USDA financing only). المنازل الجاهزة (المصنّعة) مؤهلة.

يخدم Keys4You Home Loan مشتري المنازل الذين يشترون في أي مكان في Delaware. يستهدف البرنامج مناطق محددة: Federally designated targeted-area census tracts qualify for higher income and purchase-price limits and waive the first-time-homebuyer requirement under Welcome Home. Tracts: New Castle 0006.02, 0019.02, 0021.00, 0023.00, 0029.00, 0030.02; Kent 0425.00; Sussex 0505.03, 0507.11. الأحياء المستهدفة: Census tracts: New Castle 0006.02, 0019.02, 0021.00, 0023.00, 0029.00, 0030.02; Kent 0425.00; Sussex 0505.03, 0507.11.

تُقدَّم طلبات Keys4You Home Loan عبر Delaware State Housing Authority (DSHA)، التي تنشر الشروط الحالية وخطوات التقديم على موقعها. تُحجز الأموال عبر First-come, first-served via DSHA Mitas online reservation system (https://mitas.destatehousing.com); reservable Mon-Fri 10:00 AM-5:30 PM DE time. 60-day reservation/rate-lock period from reservation to purchase by Master Servicer. Hey Prescott ليست جهة إقراض ولا تقبل الطلبات؛ تصف هذه الصفحة البرنامج ليتمكن مشتري المنزل من عرضه على جهة إقراض أو مستشار إسكان.