IHDAccess Deferred

IHDAccess Deferred es un segundo préstamo diferido para compradores de vivienda en Statewide, Illinois. IHDAccess Deferred is one of three IHDA Mortgage DPA tiers, providing 5% of the purchase price up to $7,500 as a 0% interest deferred second mortgage. No monthly payments; full balance due only on sale, refinance, first-mortgage payoff, or second-mortgage maturity. Paired with a 30-year fixed-rate IHDA first mortgage (FHA/VA/USDA/Conventional). Available to first-time and repeat homebuyers statewide; 640 minimum FICO; 1% borrower contribution; county-specific income & purchase price limits. 5% of the purchase price up to $7,500 in down payment and closing-cost assistance, structured as a 0% interest deferred second mortgage with NO monthly payments. The full principal balance is due only when the home is sold, refinanced, the first mortgage is paid off, or the second mortgage matures (i.e., deferred for the life of the first mortgage). Paired with an IHDA 30-year fixed-rate first mortgage (FHA/VA/USDA/Conventional). Available to first-time AND repeat homebuyers in all 102 Illinois counties. Los fondos provienen de State, HFA y Bond.

IHDAccess Deferred ofrece hasta $7,500 de ayuda. Aporte del comprador de vivienda: Borrower must contribute $1,000 or 1% of purchase price, whichever is greater. Los montos son los máximos publicados por el programa, no una oferta: la agencia que administra el programa determina cualquier ayuda individual.

IHDAccess Deferred es diferido, así que no hay pagos hasta que la vivienda se venda o se refinancie, o se termine de pagar la primera hipoteca. El reembolso se activa por Deferred for life of first mortgage y balance due in full at sale, refinance, first-mortgage payoff, transfer of title, or non-owner-occupancy. La ayuda se registra con un gravamen en posición 2nd Lien. 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.

IHDAccess Deferred está abierto a compradores de vivienda que vivirán en la vivienda como su residencia principal. Sobre el crédito, el programa indica: Minimum 640 FICO across all loan products. Se requiere un curso de educación para compradores de vivienda, a través de IHDA-approved HUD-certified homebuyer education (online or in-person; required for first-time homebuyers; recommended for all). See ihdamortgage.org/education. Requisito de residencia: Property must be located in Illinois and used as borrower's primary residence. Ciudadanía o situación migratoria: U.S. citizen or qualifying permanent/non-permanent resident alien per IHDA product overlays. Borrower must contribute $1,000 or 1% of purchase price (whichever is greater) of own funds. Minimum 640 FICO. Property must be primary residence. Household income at or below IHDA county-by-county limits (top tier ~$158,880 by household size; varies by county). Purchase price at or below IHDA county-specific limit (e.g., ~$610,939 for 1-unit in Cook/DuPage/Kane/Lake/McHenry/Will). First-time homebuyers must complete an IHDA-approved homebuyer education course prior to closing. Standard IHDA underwriting overlays apply to first mortgage product (FHA/VA/USDA/Conventional).

IHDAccess Deferred limita el ingreso del hogar a $158,880. 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.

IHDAccess Deferred limita el precio de compra a $951,665. Los tipos de propiedad elegibles incluyen Single-family detached, 1-4 unit (per first-mortgage product), condominium, townhouse, PUD. La construcción nueva es elegible. Las viviendas prefabricadas no son elegibles.

IHDAccess Deferred atiende a compradores de vivienda que compran en Statewide, Illinois. El programa se dirige a áreas específicas: IHDA designates federally qualified target areas (typically lower-income census tracts) where first-time-homebuyer rule and income limits are relaxed; see IHDA target-area maps.

Las solicitudes de IHDAccess Deferred 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 IHDA-approved lender reserves funds via IHDA Mortgage's Loan Origination System (LOS) at time of loan reservation; subject to bond/program funding availability. 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.