Utah Housing Down Payment Assistance Second Mortgage

Utah Housing Down Payment Assistance Second Mortgage هو رهن عقاري ثانٍ لمشتري المنازل في Utah، وتديره Utah Housing Corporation (UHC). Utah Housing Corporation's Down Payment Assistance Second Mortgage finances all or part of a borrower's down payment and closing costs via a 30-year fixed second mortgage paired with a UHC first mortgage. Two options exist: a Traditional DPA of up to 6% (max $27,500) at 1% above the first-mortgage rate with a required monthly payment, and a Deferred DPA of up to 3.5% (max $27,500) at 3.5% deferred simple interest with no monthly payment. UHC originates and services both loans, enabling many borrowers to buy with little or no cash to close. Finance down payment and closing costs as a second mortgage. Little-to-no cash required at closing. Traditional (6%/$27,500) or no-payment Deferred (3.5%/$27,500) options. One servicer for both mortgages. Works with FHA, VA, and Freddie Mac HFA Advantage UHC first mortgages. يأتي التمويل من Utah Housing Corporation (state HFA; UHC originates, purchases, and services both first and second mortgages).

يقدم Utah Housing Down Payment Assistance Second Mortgage مساعدة تصل إلى $27,500. فئات المنحة: Traditional DPA: up to 6% of first mortgage (max $27,500); 30-yr fixed second at 1% above first mortgage rate (cap 8%, floor=first rate); monthly payment required. Deferred DPA: up to 3.5% (max $27,500); 30-yr fixed 3.5% deferred simple interest; no monthly payment; balance+interest due at maturity/sale/refinance. يمكن الجمع بين البرنامج وUHC FirstHome / FHA-VA / Freddie Mac HFA Advantage first mortgages; SB240 New Construction assistance (3rd lien). المبالغ هي الحدود القصوى التي ينشرها البرنامج، وليست عرضًا؛ Utah Housing Corporation (UHC) هي التي تحدد أي مبلغ يُمنح لكل شخص.

Utah Housing Down Payment Assistance Second Mortgage هو رهن عقاري ثانٍ ويُسدَّد وفق الشروط التي تحددها Utah Housing Corporation (UHC). يُستحق السداد عند Traditional DPA: amortizing monthly payments over 30 years (paid concurrently with the first mortgage to UHC). Deferred DPA: outstanding principal and deferred interest due upon maturity, sale, or refinance (no monthly payment). تُسجَّل المساعدة في مرتبة الرهن: Second (subordinate to the UHC first mortgage). يحدد البرنامج شروط الإعفاء والسداد وقد تتغير؛ تحقّق منها في الصفحة الرسمية للبرنامج قبل التقديم.

Utah Housing Down Payment Assistance Second Mortgage مفتوح أمام مشتري المنازل الذين سيسكنون المنزل كمسكن رئيسي. بشأن الائتمان، ينص البرنامج على: Governed by accompanying first mortgage: 660 FirstHome, 620 FHA/VA, 680 Freddie Mac HFA Advantage. شرط الإقامة: Property must be in Utah and owner-occupied as a primary residence; no portion may be rented under FirstHome. Must qualify for and close a UHC first mortgage; cannot be used with a non-UHC loan. 30-year term both loans. Traditional DPA 1% over first rate (cap 8%); Deferred DPA 3.5% deferred simple interest with balloon at maturity/sale/refinance. EXCLUDED: UHC HomeAgain, NoMI, Score first mortgages are 'Temporarily Suspended' and not currently offered.

يحدد Utah Housing Down Payment Assistance Second Mortgage دخل الأسرة بما لا يتجاوز $162,500. 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 Utah Housing Down Payment Assistance Second Mortgage حدًا أقصى لسعر الشراء قدره $772,400. تشمل أنواع العقارات المؤهلة Single-Family (detached)، Condominium، PUD وTwo-unit owner-occupied (FHA/VA and Freddie Mac only). المنازل حديثة البناء مؤهلة. المنازل الجاهزة (المصنّعة) مؤهلة.

يخدم Utah Housing Down Payment Assistance Second Mortgage مشتري المنازل الذين يشترون في أي مكان في Utah.

تُقدَّم طلبات Utah Housing Down Payment Assistance Second Mortgage عبر Utah Housing Corporation (UHC)، التي تنشر الشروط الحالية وخطوات التقديم على موقعها. تُحجز الأموال عبر Reserved by a UHC-approved Participating Lender via UHC PowerLender portal at first-mortgage rate lock. Hey Prescott ليست جهة إقراض ولا تقبل الطلبات؛ تصف هذه الصفحة البرنامج ليتمكن مشتري المنزل من عرضه على جهة إقراض أو مستشار إسكان.