Closing Cost Assistance Program (CCAP)

Closing Cost Assistance Program (CCAP) è un contributo a fondo perduto per chi compra casa in Statewide, Alaska. The AHFC Closing Cost Assistance Program (CCAP), governed by Section 5013 of the AHFC Sellers Guide, provides 3% or 4% of the initial mortgage principal balance (depending on loan type and credit score) to qualified Alaskan homebuyers using an AHFC FHA, VA, or USDA-RHS first mortgage. Assistance is wired by AHFC directly to the closing table as a non-repayable contribution and may be applied to down payment, closing costs (including reserves), or principal reduction. The product is a 30-year fixed-rate first mortgage for purchase transactions only. Income limits, acquisition cost limits, and first-time homebuyer requirements do not apply. Minimum 640 credit score and 45% maximum total DTI required. Up to 4% of the initial principal balance of an AHFC FHA, VA, or USDA-RHS first mortgage delivered as non-repayable assistance at closing for use as down payment, closing costs (including reserves), and/or principal reduction. Cash back to borrower is strictly prohibited. No income limits, acquisition cost limits, or first-time homebuyer requirement. Available with a 30-year fixed-rate AHFC first mortgage. I fondi provengono da AHFC corporate funds delivered as Housing Finance Agency (HFA) closing assistance.

Closing Cost Assistance Program (CCAP) è un contributo a fondo perduto, quindi non va restituito. Il rimborso scatta in caso di None - assistance is non-repayable e cash back to borrower is strictly prohibited. L'aiuto è iscritto in posizione First (CCAP assistance is delivered as closing funds, not as a separate lien). Le condizioni di condono e di rimborso sono fissate dal programma e possono cambiare: verificale sulla pagina ufficiale del programma prima di fare domanda.

Closing Cost Assistance Program (CCAP) è aperto a chi compra casa e ci vivrà come residenza principale. Sul credito, il programma afferma: 640 minimum (per Section 5013.02.A.9). For FHA: 640-659 receive 3% assistance; manually-underwritten FHA loans receive 3% regardless of score; FHA scores 660+ with automated approval receive 4%. VA and USDA-RHS receive 4% regardless of credit score (with 640 minimum). Requisito di residenza: Borrower must be an Alaska resident; property must be in Alaska and owner-occupied as primary residence. Cittadinanza o status migratorio: Per FHA/VA/USDA guidelines (U.S. citizen, permanent resident, or qualifying non-permanent resident). Purchase transactions only - refinance is not eligible. Borrower must be an Alaska resident, occupy property as primary residence, complete Form PUR-80 (Waiver and Release of Liability), Form UND-22 (no back child support), satisfactory home inspection, and underwriter certification of all criteria within 15 days of reservation. Funds wired to closing as 'Funds from HFA - Alaska Housing Finance Corporation' on HUD-1 line 204-209. 48-hour notice to AHFC required for wire (Form UND-15). Loan must be closed and delivered to servicer within 45 days of reservation; purchased within 70 days (one 30-day extension available, $375 fee).

Closing Cost Assistance Program (CCAP) stabilisce il proprio limite di reddito così: No AHFC-specific income limits apply to CCAP. Underlying FHA, VA, or USDA-RHS guidelines apply (USDA-RHS has its own income limit). For reference, FY2025 Alaska Low Income Limits (effective May 12, 2025), 4-person household: Anchorage $129,000; Fairbanks North Star $114,900; Juneau $128,700; Mat-Su $120,600; Kenai Peninsula $114,300; Ketchikan Gateway $119,300; statewide low limit $114,300. Il limite si applica al reddito totale del nucleo familiare, non solo a quello del richiedente del mutuo. I dati sul reddito mediano dell'area sono pubblicati da HUD e aggiornati ogni anno, quindi controlla la tabella attuale della contea prima di basarti su una cifra.

Closing Cost Assistance Program (CCAP) limita il prezzo di acquisto così: No AHFC acquisition cost limit (per Section 5013); FHA/VA/USDA loan limits apply via the underlying product. I tipi di immobile idonei includono Single-family (one-unit) e Condominium. Le nuove costruzioni sono idonee. Le case prefabbricate non sono idonee.

Closing Cost Assistance Program (CCAP) si rivolge a chi compra casa in Statewide, Alaska.

Le domande per Closing Cost Assistance Program (CCAP) passano da l'ente che gestisce il programma, che pubblica sul proprio sito le condizioni attuali e i passaggi per fare domanda. I fondi vengono prenotati tramite AHFC Lender Online reservation; underwriter certification within 15 days; close/deliver within 45 days; purchase within 70 days (one $375 30-day extension available). Hey Prescott non è un istituto di credito e non accetta domande; questa pagina descrive il programma perché chi compra casa possa parlarne con un istituto di credito o un consulente abitativo.