Metro DPA Downpayment Assistance

Metro DPA Downpayment Assistance es un préstamo condonable para compradores de vivienda en Metro, Colorado. Metro DPA is a multi-county down payment assistance program administered by the City and County of Denver's Department of Housing Stability (HOST) on behalf of a 20-county Front Range and mountain region of Colorado. It provides up to 5% of the first-mortgage loan amount in down payment and closing-cost assistance, paired with a competitive 30-year fixed-rate first mortgage. Buyers may select either a 3-year forgivable second loan or a deferred silent second. Down payment and closing-cost assistance up to 5% of the total first-mortgage loan amount. Buyer can choose between a 3-year forgivable second loan (no monthly payments, forgiven in 36 months while owner-occupied) or a deferred (silent) second loan that is repaid only on sale, refinance, or transfer. Layered with a competitive 30-year fixed-rate first mortgage. Los fondos provienen de Local Government, Bond Proceeds y MBS Premium.

Metro DPA Downpayment Assistance se perdona después de 3 años, así que un comprador de vivienda que se quede ese tiempo no lo devuelve. El reembolso se activa por Forgivable option: forgiven after 36 months while owner-occupied. Deferred option: due on sale, refinance, transfer, or loss of owner-occupancy. 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.

Metro DPA Downpayment Assistance está abierto a compradores de vivienda que vivirán en la vivienda como su residencia principal. Sobre el crédito, el programa indica: 640 minimum representative FICO; alternative credit allowed with HUD counseling. Se requiere un curso de educación para compradores de vivienda, a través de HUD-approved counseling agency — required only when all borrowers have credit scores below 640 or no credit score; delivered online or in-person. Requisito de residencia: Property must be a primary residence located within the 20-county Metro DPA service area in Colorado. Ciudadanía o situación migratoria: U.S. citizen or eligible non-citizen permitted by underlying first-mortgage product. Borrower(s) must occupy the property as a primary residence. Maximum qualifying income $195,600 regardless of household size or county (program-wide cap, not AMI-based). Minimum FICO 640 (or alternative credit with HUD-approved counseling). Maximum DTI 50% (Conventional/FHA/VA) or 45% (USDA). Cannot be combined with other DPA. First mortgage must be originated through a Metro DPA participating lender using the Metro DPA-approved 30-year fixed product. Buyer must complete homebuyer education for FHA loans and for any borrower below 640 FICO. Properties anywhere in the program's 20-county service area qualify. Subordination of the second mortgage is not permitted.

Metro DPA Downpayment Assistance limita el ingreso del hogar a $195,600. 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.

Metro DPA Downpayment Assistance limita el precio de compra así: No published maximum purchase price (governed by FHA/VA/USDA/Conventional loan-limit ceilings of the first mortgage). Los tipos de propiedad elegibles incluyen Single-family detached, Townhome, Condominium, 2-unit (FHA only, owner-occupied) y Manufactured (FHA, real-property only). La construcción nueva es elegible. Las viviendas prefabricadas son elegibles.

Metro DPA Downpayment Assistance atiende a compradores de vivienda que compran en Metro, Colorado.

Las solicitudes de Metro DPA Downpayment Assistance 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 Lender reserves funds through Metro DPA portal at time of first-mortgage lock. 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.