Repeat and First-Time Homebuyer First State Home Loan Program (DSHA Open Door)

Repeat and First-Time Homebuyer First State Home Loan Program (DSHA Open Door) هو قرض ثانٍ مؤجَّل لمشتري المنازل في Statewide، Delaware. DSHA's Open Door is the first-time AND repeat homebuyer bundled mortgage product launched as part of DSHA's April 2026 Delaware Mortgage Program rebrand. It pairs a Smart Start 30-year fixed-rate first mortgage (funded by DSHA tax-exempt mortgage revenue bonds) with the First State Home Loan, a 0%-interest deferred second mortgage equal to 3% of the first-mortgage loan amount used for down payment and closing-cost assistance. Open Door has higher income limits than Welcome Home because it serves move-up buyers in addition to first-timers. The first mortgage rate is set by DSHA and is typically below conventional market rates; the second mortgage requires no monthly payment and is fully deferred until refinance, sale, transfer of title, or when the property is no longer the borrower's primary residence. Bundled DSHA product for first-time AND repeat homebuyers (Open Door umbrella). Competitive 30-year fixed-rate Smart Start first mortgage (DSHA mortgage revenue bond rate, typically at or below market) plus First State Home Loan: a 0%-interest, deferred-payment second mortgage equal to 3% of the first mortgage loan amount applied to down payment and/or closing costs. No monthly payment on the second. balance due only on refinance, sale, transfer of title, or when the home is no longer the primary residence. Open Door also allows borrowers to upgrade to Keys4You (4% second) instead of First State. يأتي التمويل من State وBond.

Repeat and First-Time Homebuyer First State Home Loan Program (DSHA Open Door) مؤجَّل، لذا لا تُستحق أي دفعات حتى يُباع المنزل أو يُعاد تمويله أو يُسدَّد الرهن العقاري الأول بالكامل. يُستحق السداد عند Refinance, sale of home, transfer of title, or property no longer used as primary residence (whichever comes first). No monthly payments due during normal occupancy. تُسجَّل المساعدة في مرتبة الرهن: 2nd Lien. يحدد البرنامج شروط الإعفاء والسداد وقد تتغير؛ تحقّق منها في الصفحة الرسمية للبرنامج قبل التقديم.

Repeat and First-Time Homebuyer First State Home Loan Program (DSHA Open Door) مفتوح أمام مشتري المنازل الذين سيسكنون المنزل كمسكن رئيسي. بشأن الائتمان، ينص البرنامج على: 620 minimum FICO. Borrowers with credit scores 659 or below MUST complete DSHA-approved housing counseling. يلزم إكمال دورة لمشتري المنازل، عبر DSHA-approved housing counseling agencies; required for borrowers with FICO 620-659 and recommended for all (HUD-approved counselors). شرط الإقامة: Property must be located in Delaware (any county) and used as the borrower's principal residence within 60 days of closing. الجنسية أو وضع الهجرة: U.S. citizen, permanent resident alien, or qualified non-citizen per the underlying loan product (FHA/VA/USDA/Conventional) requirements. Must obtain a DSHA Smart Start first mortgage (30-year fixed) through a DSHA Preferred Lender. Borrower's annual household income must not exceed Open Door county/household-size limits (see income_limit_description). Property must be in Delaware and used as primary residence. Borrowers with FICO 620-659 must complete pre-purchase housing counseling. Federal IRS recapture tax may apply (mortgage revenue bond program). DSHA charges standard tax-service, document-prep, and reservation fees through the lender.

يحدد Repeat and First-Time Homebuyer First State Home Loan Program (DSHA Open Door) دخل الأسرة بما لا يتجاوز $179,100. 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 Repeat and First-Time Homebuyer First State Home Loan Program (DSHA Open Door) حدًا أقصى لسعر الشراء قدره $754,406. تشمل أنواع العقارات المؤهلة Single-family detached, attached townhouse, condominium (on FHA/VA/Fannie/Freddie-approved project lists), planned unit development (PUD), and 1-2 unit owner-occupied properties (per first-mortgage product rules). Manufactured housing eligible per FHA/VA/USDA standards. المنازل حديثة البناء مؤهلة. المنازل الجاهزة (المصنّعة) مؤهلة.

يخدم Repeat and First-Time Homebuyer First State Home Loan Program (DSHA Open Door) مشتري المنازل الذين يشترون في Statewide، Delaware. يستهدف البرنامج مناطق محددة: Federally designated targeted areas under IRC Section 143 receive higher income limits, higher purchase price limits, and waived first-time-homebuyer rules where applicable. Targeted 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 Repeat and First-Time Homebuyer First State Home Loan Program (DSHA Open Door) عبر الجهة المسؤولة عن إدارة البرنامج، التي تنشر الشروط الحالية وخطوات التقديم على موقعها. تُحجز الأموال عبر Reserved by DSHA Preferred Lender via the DSHA Lender Online portal at the time of first-mortgage reservation/lock; subject to bond allocation availability. Hey Prescott ليست جهة إقراض ولا تقبل الطلبات؛ تصف هذه الصفحة البرنامج ليتمكن مشتري المنزل من عرضه على جهة إقراض أو مستشار إسكان.