Fridley Down Payment Assistance Deferred Loan

Fridley Down Payment Assistance Deferred Loan هو قرض ثانٍ مؤجَّل لمشتري المنازل في Fridley، Minnesota، وتديره City of Fridley HRA (administered by Center for Energy and Environment / CEE). The City of Fridley HRA offers a deferred, 0% interest down payment and closing-cost assistance loan to first-time homebuyers purchasing a 1–4 unit property within Fridley (Anoka County), administered by the Center for Energy and Environment (CEE). Amounts are tiered by income: up to $10,000 for households at/below 80% AMI and up to $5,000 for households above 80% and below 110% AMI. The loan has no monthly payments and is 100% forgiven after 30 years of continuous owner-occupancy; the full balance is due if the home is sold, transferred, or vacated before then. Secured by a second mortgage. 0% interest. No monthly payments. Up to $10,000 (≤80% AMI) / $5,000 (80–110% AMI). 30-year term with full forgiveness if continuously owner-occupied. No down payment required from borrower. 1–4 unit properties eligible. Apply online via CEE. يأتي التمويل من City of Fridley HRA funds.

يقدم Fridley Down Payment Assistance Deferred Loan مساعدة تتراوح بين $1,000 و$10,000. فئات المنحة: Tier 1: up to $10,000 for households at/below 80% AMI وTier 2: up to $5,000 for households >80% and <110% AMI. 30-year deferred; 100% forgiven if owner-occupied at 30 years. مساهمة مشتري المنزل: No down payment required from the borrower. يمكن الجمع بين البرنامج وOther Fridley HRA loan programs (subject to $75,000 total cap); Minnesota Housing Start-Up and other first-mortgage programs. Only one Fridley deferred loan outstanding at a time. المبالغ هي الحدود القصوى التي ينشرها البرنامج، وليست عرضًا؛ City of Fridley HRA (administered by Center for Energy and Environment / CEE) هي التي تحدد أي مبلغ يُمنح لكل شخص.

يُعفى من Fridley Down Payment Assistance Deferred Loan بعد 30 سنةً، لذا فإن مشتري المنزل الذي يبقى طوال هذه المدة لا يسدده. يُستحق السداد عند Sale, transfer of title, property no longer owner-occupied, or refinancing before the 30-year maturity; 100% due and payable. 100% forgiven if still owner-occupied at 30 years. تُسجَّل المساعدة في مرتبة الرهن: Second (secured by mortgage on property). يحدد البرنامج شروط الإعفاء والسداد وقد تتغير؛ تحقّق منها في الصفحة الرسمية للبرنامج قبل التقديم.

Fridley Down Payment Assistance Deferred Loan مفتوح أمام مشتري المنازل لأول مرة ومشتري المنازل الذين سيسكنون المنزل كمسكن رئيسي. لعبارة "لأول مرة" استثناءات هنا: First-time defined as not having owned a home within the last three years. يلزم إكمال دورة لمشتري المنازل، عبر HomeStretch workshop (Minnesota Homeownership Center) or another valid course from a HUD-approved counseling agency; proof required before closing. شرط الإقامة: Property must be within the City of Fridley, MN. الجنسية أو وضع الهجرة: All borrowers must be legal residents of the United States; non-occupant co-borrowers ineligible. Apply to CEE at least four weeks before closing with a signed purchase agreement. Funding subject to availability — confirm funds with CEE first. Guidelines (Exhibit A-24) are 2024; income limits are 2026 HUD figures. LTV limit 110%. NOTE: separate City of Anoka DPA (same CEE/HRA structure) is currently INACTIVE; Anoka County does not run its own DPA.

يحدد Fridley Down Payment Assistance Deferred Loan دخل الأسرة بما لا يتجاوز 110% من الدخل الوسيط في المنطقة، وهو يختلف بحسب المقاطعة وحجم الأسرة. 110% AMI by household size (adjusted gross income). Tier 1 (≤80% AMI): up to $10,000; Tier 2 (>80% to <110% AMI): up to $5,000. 2026 HUD (Minneapolis-St. Paul MSA) 80% 4-person $105,200; 110% 4-person $144,650. Full 1–8 person tables in income-limit PDF. ينطبق الحد على إجمالي دخل الأسرة، وليس على دخل المقترض وحده. يذكر البرنامج حدًا أقصى لحجم الأسرة قدره 8. تنشر HUD أرقام الدخل الوسيط في المنطقة وتحدّثها سنويًا، لذا راجع الجدول الحالي للمقاطعة قبل الاعتماد على أي رقم.

يضع Fridley Down Payment Assistance Deferred Loan حدًا لسعر الشراء على النحو التالي: Not specified; loan-to-value limit is 110%. تشمل أنواع العقارات المؤهلة Single-family، Townhome، Twin-home، Duplex، Condominium، 2-unit، 3-unit و4-unit. المنازل الجاهزة (المصنّعة) غير مؤهلة.

يخدم Fridley Down Payment Assistance Deferred Loan مشتري المنازل الذين يشترون في Fridley، Minnesota.

تُقدَّم طلبات Fridley Down Payment Assistance Deferred Loan عبر City of Fridley HRA (administered by Center for Energy and Environment / CEE)، التي تنشر الشروط الحالية وخطوات التقديم على موقعها. تُحجز الأموال عبر Rolling; signed purchase agreement required; application at least four weeks before closing. Hey Prescott ليست جهة إقراض ولا تقبل الطلبات؛ تصف هذه الصفحة البرنامج ليتمكن مشتري المنزل من عرضه على جهة إقراض أو مستشار إسكان.