Douglas County Housing Partnership Down Payment Assistance (Amortizing Loan Program)

Douglas County Housing Partnership Down Payment Assistance (Amortizing Loan Program) es una subvención para compradores de vivienda en Condado de Douglas, Colorado. The Douglas County Housing Partnership offers an Amortizing Down Payment Assistance Loan to first-time homebuyers purchasing in Douglas County. The program provides up to $25,000 as a low-fixed-rate amortizing second mortgage with monthly payments — distinct from DCHP's deferred shared-equity DPA. Designed for moderate-income workforce buyers who can support a small additional monthly payment in exchange for a non-shared-appreciation product. Amortizing second mortgage of up to $25,000 (typical assistance $15,000-$25,000) at a low fixed rate for down payment and closing-cost assistance to qualifying first-time homebuyers purchasing in Douglas County. Borrower makes monthly payments on the second loan, fully amortized over a 10-30 year term. Los fondos provienen de Local Government, Douglas County, HUD HOME y CDBG.

Douglas County Housing Partnership Down Payment Assistance (Amortizing Loan Program) está estructurado como una subvención, así que no se devuelve. El reembolso se activa por Monthly amortizing payments y balloon at sale, refinance, or transfer if loan term exceeds first-mortgage term. La ayuda se registra con un gravamen en posición 2. Los términos de condonación y reembolso los fija el programa y pueden cambiar; confírmalos en la página oficial del programa antes de presentar la solicitud.

Douglas County Housing Partnership Down Payment Assistance (Amortizing Loan Program) está abierto a compradores de vivienda por primera vez y compradores de vivienda que vivirán en la vivienda como su residencia principal. “Primera vez” tiene excepciones aquí: First-time homebuyer required (no ownership in primary residence past 3 years); displaced-homemaker exception allowed. Sobre el crédito, el programa indica: Mortgage-eligible based on first-mortgage underwriting (no published DCHP minimum). Se requiere un curso de educación para compradores de vivienda, a través de HUD-approved homebuyer counseling agency (e.g., CHAC, mpowered, Brothers Redevelopment) — required for all borrowers. Requisito de residencia: Property must be a primary residence located in Douglas County, Colorado. Ciudadanía o situación migratoria: U.S. citizen or eligible non-citizen permitted by first-mortgage product. Borrower(s) must be first-time homebuyers (no ownership in primary residence past 3 years). Household qualifying income at or below 100%-120% of Douglas County AMI (approximately $66,300 1-person up to $124,950 larger households). Maximum purchase price $556,000. Mandatory pre-purchase counseling. Property must be located in Douglas County, Colorado and used as the primary residence. Borrower must contribute at least 1% of purchase price from own funds. DCHP records an amortizing junior lien — borrower makes monthly payments at a fixed below-market rate.

Douglas County Housing Partnership Down Payment Assistance (Amortizing Loan Program) limita el ingreso del hogar al 120% del ingreso mediano del área, que varía según el condado y el tamaño del hogar. Household qualifying income approximately $66,300 (1-person, ~80% AMI) to $124,950 (8-person, ~120% AMI) for Douglas County per HUD income limits. El límite se aplica al ingreso total del hogar, no solo al del prestatario. Las cifras del ingreso mediano del área las publica HUD y se actualizan cada año, así que consulta la tabla vigente del condado antes de basarte en una cifra.

Douglas County Housing Partnership Down Payment Assistance (Amortizing Loan Program) limita el precio de compra a $556,000. Los tipos de propiedad elegibles incluyen Single-family detached, Townhome y Condominium. La construcción nueva es elegible. Las viviendas prefabricadas no son elegibles.

Douglas County Housing Partnership Down Payment Assistance (Amortizing Loan Program) atiende a compradores de vivienda que compran en Condado de Douglas, Colorado.

Las solicitudes de Douglas County Housing Partnership Down Payment Assistance (Amortizing Loan Program) se tramitan a través de la agencia que administra el programa, que publica los términos vigentes y los pasos de la solicitud en su propio sitio. Los fondos se reservan a través de Direct application to DCHP after pre-approval and counseling. Hey Prescott no es un prestamista y no acepta solicitudes; esta página describe el programa para que un comprador de vivienda pueda llevarlo a un prestamista o a un asesor de vivienda.