Douglas County Housing Partnership Down Payment Assistance (Shared Equity Program)

Douglas County Housing Partnership Down Payment Assistance (Shared Equity Program) es un préstamo de plusvalía compartida para compradores de vivienda en Condado de Douglas, Colorado. The Douglas County Housing Partnership Shared Equity Down Payment Assistance Program provides up to $50,000 (or ~20% of purchase price) as a 0%-payment shared-appreciation second mortgage to first-time homebuyers purchasing in Douglas County. The buyer makes no monthly payments. When the home is sold, refinanced with cash-out, or transferred, DCHP recoups its original principal plus a proportional share of the home's appreciation. This product is designed for buyers who cannot support amortizing payments but accept sharing future appreciation in exchange for higher upfront assistance. Shared-appreciation second mortgage of up to $50,000 (or up to ~20% of purchase price, whichever is less) for down payment and closing-cost assistance. The buyer makes no monthly payments on the DCHP second. on sale, refinance with cash-out, or transfer DCHP recovers its principal plus a proportional share of the appreciation equal to the program's share of the original purchase price. Los fondos provienen de Local Government, Douglas County, HUD HOME y CDBG.

Douglas County Housing Partnership Down Payment Assistance (Shared Equity Program) ofrece una ayuda equivalente al 20% del precio de compra, según lo fija el programa. Aporte del comprador de vivienda: Buyer must contribute at least 1% of purchase price from own funds. El programa se puede combinar con otras ayudas, sujeto a las reglas de cada una. Los montos son los máximos publicados por el programa, no una oferta: la agencia que administra el programa determina cualquier ayuda individual.

Douglas County Housing Partnership Down Payment Assistance (Shared Equity Program) es un préstamo de plusvalía compartida y se reembolsa según los términos que fija la agencia que administra el programa. El reembolso se activa por Sale, refinance with cash-out, or transfer of title y on these triggers DCHP receives principal plus its proportional share of appreciation. 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 (Shared Equity 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 and used as primary residence. Borrower must contribute at least 1% of purchase price from own funds. DCHP records a shared-appreciation junior lien — at sale or cash-out refinance DCHP recoups its principal plus a percentage of the home's appreciation equal to the DPA's percentage of the original purchase price.

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

Las solicitudes de Douglas County Housing Partnership Down Payment Assistance (Shared Equity 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.