Down Payment Assistance Program (DAP)

Down Payment Assistance Program (DAP) es un préstamo condonable para compradores de vivienda en Condado de Harris, Texas. Harris County (excluding City of Houston, Pasadena, Baytown) DAP: up to $23,800 forgivable second mortgage at 0% interest for first-time homebuyers. CDBG/HOME-funded. Tiered 5-10 year affordability. 80% AMI ceiling. Max purchase $280K existing / $292K new construction. 580 FICO. Harris County Community Services Department's Down Payment Assistance Program (DAP) provides up to $23,800 in down payment and closing cost assistance to first-time homebuyers purchasing primary residences within Harris County, excluding the City of Houston, City of Pasadena, and City of Baytown (each of which operates its own program). CDBG/HOME-funded. Structured as a 0% interest deferred forgivable second mortgage with tiered affordability per HUD HOME 24 CFR 92.254 (5-year under $15K. 10-year $15K-$40K). Pairs with FHA, VA, USDA, or conventional 30-year fixed first mortgage. 80% AMI ceiling. Maximum purchase price $280,000 existing / $292,000 new construction. 580 FICO minimum. Los fondos provienen de Federal.

Down Payment Assistance Program (DAP) se perdona después de 10 años, así que un comprador de vivienda que se quede ese tiempo no lo devuelve. El reembolso se activa por Deferred 0% second mortgage. 5-year affordability for under $15K y 10-year for $15K-$40K per HUD HOME 24 CFR 92.254. Sale, refinance with cash-out, transfer, or vacating before period ends triggers prorata repayment of unforgiven balance. 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.

Down Payment Assistance Program (DAP) 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 past 3 years). Veteran exception per HUD rule. Sobre el crédito, el programa indica: 580 minimum FICO across all products. Se requiere un curso de educación para compradores de vivienda, a través de HUD-approved 8-hour homebuyer education required. Local providers include Avenue CDC, Covenant Community Capital, NeighborhoodCenters, and Houston Area Urban League. Requisito de residencia: Property must be located in Harris County (excluding City of Houston, Pasadena, Baytown) and occupied as primary residence throughout affordability period. Ciudadanía o situación migratoria: U.S. citizen, permanent resident, or qualifying non-permanent resident alien per first-mortgage product overlays. Property must be located in Harris County, TX, EXCLUDING the City of Houston (which has its own HAP), City of Pasadena, and City of Baytown (each separate participating jurisdiction with its own HOME/CDBG program). First-time homebuyer required (no ownership in past 3 years; veteran exception). Household income at or below 80% AMI for Houston-The Woodlands-Sugar Land MSA. Mandatory 8-hour HUD-approved homebuyer education class. Minimum $500 borrower contribution. 580 FICO minimum. Property must be a single-family detached, condominium, or townhouse used as primary residence. 30-year fixed-rate first mortgage required.

Down Payment Assistance Program (DAP) limita el ingreso del hogar al 80% del ingreso mediano del área, que varía según el condado y el tamaño del hogar. 80% AMI for Houston-The Woodlands-Sugar Land MSA per HUD; 1-person $53,000 / 4-person $75,650 / 8-person $99,950 (2025 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.

Down Payment Assistance Program (DAP) limita el precio de compra a $292,000. Los tipos de propiedad elegibles incluyen Single-family detached, condominium, townhouse, PUD. Must be primary residence. La construcción nueva es elegible. Las viviendas prefabricadas no son elegibles.

Down Payment Assistance Program (DAP) menciona a veteranos, miembros del servicio militar activo, reservistas y miembros de la Guardia Nacional y cónyuges sobrevivientes 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.

Down Payment Assistance Program (DAP) atiende a compradores de vivienda que compran en Condado de Harris, Texas. El programa se dirige a áreas específicas: Harris County excluding the City of Houston, City of Pasadena, and City of Baytown. Each of those cities operates its own HOME/CDBG-funded participating jurisdiction program for residents within their respective city limits.

Las solicitudes de Down Payment Assistance Program (DAP) 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 Reserved by participating lender through Harris County CSD. Funds available on first-come, first-served basis subject to annual CDBG/HOME allocation. 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.