The Culinary & Bartenders Housing Partnership Down Payment Assistance program

The Culinary & Bartenders Housing Partnership Down Payment Assistance program es un segundo préstamo diferido para compradores de vivienda en Las Vegas, Nevada. 0% deferred soft-second DPA up to $20,000 with 5-year forgiveness for Culinary Local 226 / Bartenders Local 165 union members buying in Clark County. 640 FICO, 45% DTI, FTHB required, $1,000 borrower contribution. The Culinary & Bartenders Housing Partnership Down Payment Assistance program is administered by Nevada Partners, Inc. (NPI) in partnership with Culinary Workers Union Local 226 and Bartenders Union Local 165. Eligible union-member homebuyers in Clark County receive up to $20,000 in down-payment / closing-cost assistance as a 0% deferred soft second mortgage with no monthly payments. The subordinate lien is forgiven over 5 years of continuous owner-occupancy (1/60th per month) or due in full upon sale, refinance, transfer of title, or non-owner-occupancy within the retention period. Must be paired with a first mortgage from a participating lender. Funds may be used for down payment, closing costs, and prepaid escrows. Los fondos provienen de Local y Other.

The Culinary & Bartenders Housing Partnership Down Payment Assistance program se perdona después de 5 años, así que un comprador de vivienda que se quede ese tiempo no lo devuelve. El reembolso se activa por Forgiven 1/60th per month over 5 years of continuous owner-occupancy. Full unforgiven balance due upon sale, refinance with cash-out, transfer of title, or non-owner-occupancy within the 5-year retention period. 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.

The Culinary & Bartenders Housing Partnership Down Payment Assistance 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: Federally targeted census tracts may waive the FTHB requirement on a case-by-case basis (subject to NPI program review). Sobre el crédito, el programa indica: 640 minimum mid-FICO across all loan products. Se requiere un curso de educación para compradores de vivienda, a través de Nevada Partners, Inc. HUD-approved homebuyer education and 1:1 housing counseling (required). Framework Homeownership and eHome America also accepted. Requisito de residencia: Property must be located in Clark County, Nevada (Las Vegas, North Las Vegas, Henderson, Boulder City, or unincorporated Clark County) and serve as borrower's principal residence. Ciudadanía o situación migratoria: U.S. citizen, permanent resident alien, or qualifying non-permanent resident alien per first-mortgage product overlays. RESTRICTED TO MEMBERS IN GOOD STANDING OF CULINARY WORKERS UNION LOCAL 226 OR BARTENDERS UNION LOCAL 165 (and certain Culinary Health Fund participants). Hospitality / casino / food-service industry workers only. Must be a first-time homebuyer (no principal residence in prior 3 years). Income limits by household size 80% AMI Clark County: $51,700 (1p) to $100,550 (8p) per HUD 2025 limits. 640 minimum mid-FICO. 45% maximum DTI. $1,000 minimum borrower contribution from own funds. NPI HUD-approved homebuyer education + 1:1 counseling required. Property must be in Clark County (Las Vegas / North Las Vegas / Henderson / Boulder City).

The Culinary & Bartenders Housing Partnership Down Payment Assistance program limita el ingreso del hogar a $100,550. El límite se aplica al ingreso total del hogar, no solo al del prestatario. El programa indica un tamaño máximo de hogar de 8. 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.

The Culinary & Bartenders Housing Partnership Down Payment Assistance program limita el precio de compra así: Generally limited to FHA county loan limit for Clark County (~$524,225 in 2025) when paired with FHA first mortgage; conventional follows agency conforming limits. Los tipos de propiedad elegibles incluyen Single-family detached, condominium, townhouse, PUD, 2-4 unit (per first-mortgage product overlays) y manufactured home on permanent foundation. La construcción nueva es elegible. Las viviendas prefabricadas son elegibles.

The Culinary & Bartenders Housing Partnership Down Payment Assistance program menciona a veteranos entre los grupos a los que atiende. Aparecer aquí significa que el programa menciona al grupo, no que pertenecer a él baste por sí solo para que un solicitante califique; las demás reglas de elegibilidad siguen aplicándose.

The Culinary & Bartenders Housing Partnership Down Payment Assistance program atiende a compradores de vivienda que compran en Las Vegas, Nevada.

Las solicitudes de The Culinary & Bartenders Housing Partnership Down Payment Assistance 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 Borrower applies through Nevada Partners housing counseling intake; reservation issued upon program eligibility and union-membership verification. Funds disbursed at closing through participating lender. 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.