FHLB Des Moines Home$tart Down Payment Assistance Grant

FHLB Des Moines Home$tart Down Payment Assistance Grant es una subvención para compradores de vivienda en Statewide, Idaho, a cargo de Federal Home Loan Bank of Des Moines (through participating member institutions). Home$tart is a down payment and closing cost assistance grant offered through FHLB Des Moines member institutions for qualifying first-time homebuyers in the FHLB Des Moines district, which includes Idaho. The grant provides $15,000 per household toward down payment, closing costs, and up to $250 of homebuyer education for households at or below 80% AMI. Grant funds are secured by a 5-year deed restriction and forgiven pro rata over 60 months. Funds are reserved by participating members first-come, first-served and replenished quarterly in 2026. Up to $15,000 grant toward down payment and closing costs. No repayment if retained 5 years (forgiven pro rata). May be layered with other DPA in any lien position. Covers up to $250 of homebuyer education. Los fondos provienen de FHLB Des Moines Affordable Housing Program (10% of net income set-aside).

FHLB Des Moines Home$tart Down Payment Assistance Grant ofrece hasta $15,000 de ayuda. El programa se puede combinar con May be layered with other down payment products and may be in any recording position. Los montos son los máximos publicados por el programa, no una oferta: Federal Home Loan Bank of Des Moines (through participating member institutions) determina cualquier ayuda individual.

FHLB Des Moines Home$tart Down Payment Assistance Grant está estructurado como una subvención, así que no se devuelve. El reembolso se activa por Sale of the home within the 5-year retention period (pro-rata repayment of the unforgiven portion). La ayuda se registra con un gravamen en posición Secured by a 5-year self-extinguishing deed restriction/retention agreement; may be in any recording position. 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.

FHLB Des Moines Home$tart Down Payment Assistance Grant 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: Defined as not having owned a home in the prior three years (HUD first-time homebuyer definition). Se requiere un curso de educación para compradores de vivienda, a través de Any qualifying homebuyer education course completed prior to closing (counseling/education costs reimbursable up to $250). Available only through FHLB Des Moines member institutions; homebuyer must work with a participating member (FHLB does not take applications directly). Homebuyer education must be completed prior to closing. As of mid-2026 the general pool was fully reserved for the current quarter; funds return via expiring reservations and replenish at quarterly dates, so the program remains active. Citizenship requirement and minimum credit score not specified on official source.

FHLB Des Moines Home$tart Down Payment Assistance Grant limita el ingreso del hogar al 80% del ingreso mediano del área, que varía según el condado y el tamaño del hogar. Household income at or below 80% of area median income (by household size and state/county) per HUD or NAHASDA income limits; calculated as of reservation date including all current and intended household members. 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.

FHLB Des Moines Home$tart Down Payment Assistance Grant limita el precio de compra así: In-district purchase price limits apply; see FHLB Des Moines Income and Purchase Price Limits page. Los tipos de propiedad elegibles incluyen Single Family, Condo, 2-4 Unit y Manufactured. La construcción nueva es elegible. Las viviendas prefabricadas son elegibles.

FHLB Des Moines Home$tart Down Payment Assistance Grant atiende a compradores de vivienda que compran en Statewide, Idaho.

Las solicitudes de FHLB Des Moines Home$tart Down Payment Assistance Grant se tramitan a través de Federal Home Loan Bank of Des Moines (through participating member institutions), que publica los términos vigentes y los pasos de la solicitud en su propio sitio. Los fondos se reservan a través de Reservations submitted by participating members via DP Online (eAdvantage) prior to closing; first-come, first-served until pool or member cap exhausted. 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.