Launchpad (including Launchpad for First-Time Homebuyers)

Launchpad (including Launchpad for First-Time Homebuyers) هو قرض ثانٍ مؤجَّل لمشتري المنازل في Nevada، وتديره Nevada Rural Housing (NRH). Launchpad, introduced by Nevada Rural Housing in 2024, delivers a below-market first-mortgage rate plus down payment assistance for rural Nevada homebuyers. Standard Launchpad offers 3% or 5% assistance (no first-time-buyer requirement); Launchpad for First-Time Homebuyers offers 2% or 4% assistance for buyers who have not owned a primary residence in three years (waived for Veterans and targeted-area purchases). Assistance is a 0% interest, 30-year deferred, non-forgivable second mortgage repayable on sale, refinance, non-occupancy, or at maturity. Available in all 15 rural counties plus the rural parts of Clark and Washoe. Below-market first-mortgage rate. 2%, 3%, 4%, or 5% down payment assistance. 0% interest, no monthly payments on the second mortgage. First-time-buyer requirement waived for Veterans and targeted-area buyers. Available across rural Nevada including rural Clark and Washoe. يأتي التمويل من Nevada Rural Housing homeownership program funds (remains open until funding fully obligated).

Launchpad (including Launchpad for First-Time Homebuyers) مؤجَّل، لذا لا تُستحق أي دفعات حتى يُباع المنزل أو يُعاد تمويله أو يُسدَّد الرهن العقاري الأول بالكامل. يُستحق السداد عند 30-year deferred second mortgage with no interest; never forgiven. Repayable if the borrower sells, refinances, ceases to live in the property, or at the end of the 30-year term. تُسجَّل المساعدة في مرتبة الرهن: Second. يحدد البرنامج شروط الإعفاء والسداد وقد تتغير؛ تحقّق منها في الصفحة الرسمية للبرنامج قبل التقديم.

Launchpad (including Launchpad for First-Time Homebuyers) مفتوح أمام مشتري المنازل الذين سيسكنون المنزل كمسكن رئيسي. بشأن الائتمان، ينص البرنامج على: Minimum 640 (660 for manufactured homes). يلزم إكمال دورة لمشتري المنازل، عبر NRH-approved homebuyer education (Homebuyer 101) - free. شرط الإقامة: No current Nevada residency requirement; home must be occupied as primary residence within 60 days of closing. Property must be in NRH's rural jurisdiction (population under 150,000); use HALMap.org to confirm address eligibility. Conventional loans are limited to 80% AMI and may carry lower income limits.

يحدد Launchpad (including Launchpad for First-Time Homebuyers) دخل الأسرة بما لا يتجاوز $117,300. تنشر HUD أرقام الدخل الوسيط في المنطقة وتحدّثها سنويًا، لذا راجع الجدول الحالي للمقاطعة قبل الاعتماد على أي رقم.

يضع Launchpad (including Launchpad for First-Time Homebuyers) حدًا لسعر الشراء على النحو التالي: Launchpad: no program purchase-price limit (loan-agency limits apply). Launchpad for First-Time Homebuyers non-targeted: Carson City $596,945; Douglas $746,181; Storey $656,640; Washoe $656,640; all other counties $544,232. Targeted areas higher (up to $802,560 in Washoe). تشمل أنواع العقارات المؤهلة Single Family، 2-4 Unit، Condo، Townhouse وManufactured. المنازل حديثة البناء مؤهلة. المنازل الجاهزة (المصنّعة) مؤهلة.

يخدم Launchpad (including Launchpad for First-Time Homebuyers) مشتري المنازل الذين يشترون في أي مكان في Nevada. يستهدف البرنامج مناطق محددة: HUD Qualified Census Tracts (targeted areas) for Launchpad for First-Time Homebuyers allow higher purchase price and income limits and waive the first-time homebuyer requirement. Tracts include Clark (57.04, 57.03, 60.01, 22.01, 22.07, 50.10, 78.01); Lyon (9602.06, 9609.01); Nye (9604.11, 9604.13, 9604.14); Washoe (19.01, 19.03, 27.03).

تُقدَّم طلبات Launchpad (including Launchpad for First-Time Homebuyers) عبر Nevada Rural Housing (NRH)، التي تنشر الشروط الحالية وخطوات التقديم على موقعها. تُحجز الأموال عبر eHousingPlus (Nevada Rural Housing Authority); reserved/locked by participating lenders. Hey Prescott ليست جهة إقراض ولا تقبل الطلبات؛ تصف هذه الصفحة البرنامج ليتمكن مشتري المنزل من عرضه على جهة إقراض أو مستشار إسكان.