Welcome Home: First State Home Loan (DSHA Welcome Home)

Welcome Home: First State Home Loan (DSHA Welcome Home) è un secondo prestito differito per chi compra casa in Statewide, Delaware. DSHA's Welcome Home is the first-time-homebuyer-only bundled mortgage product launched as part of DSHA's April 2026 Delaware Mortgage Program rebrand. It pairs a Smart Start 30-year fixed-rate first mortgage (funded by DSHA tax-exempt mortgage revenue bonds, typically priced slightly below the Open Door rate) with the First State Home Loan, a 0%-interest deferred second mortgage equal to 3% of the first-mortgage loan amount used for down payment and closing-cost assistance. Welcome Home has tighter income limits than Open Door because it is reserved for first-time buyers, and it offers a slightly better first-mortgage rate plus access to richer DPA tiers (Keys4You 4%, Take5 5%, Diamond in the Rough 5%). The second mortgage requires no monthly payment and is fully deferred until refinance, sale, transfer of title, or loss of primary-residence status. Bundled DSHA product designed exclusively for FIRST-TIME homebuyers (Welcome Home umbrella). Competitive 30-year fixed-rate Smart Start first mortgage at a slightly better rate than Open Door, plus First State Home Loan: a 0%-interest, deferred-payment second mortgage equal to 3% of the first mortgage loan amount applied to down payment and/or closing costs. No monthly payment on the second. balance due only on refinance, sale, transfer of title, or when the home is no longer the primary residence. Welcome Home borrowers also have access to richer DPA tiers: Keys4You (4%), Take5 (5%), and Diamond in the Rough (5% with FHA 203(k) renovation). I fondi provengono da State e Bond.

Welcome Home: First State Home Loan (DSHA Welcome Home) è differito, quindi non ci sono pagamenti finché la casa non viene venduta o rifinanziata, o finché il mutuo principale non è estinto. Il rimborso scatta in caso di Refinance, sale of home, transfer of title, or property no longer used as primary residence (whichever comes first). No monthly payments due during normal occupancy. L'aiuto è iscritto in posizione 2nd 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.

Welcome Home: First State Home Loan (DSHA Welcome Home) è aperto a chi compra la prima casa e chi compra casa e ci vivrà come residenza principale. Qui "prima casa" prevede delle eccezioni: First-time-homebuyer (3-year non-ownership) requirement waived for: (1) qualified veterans (per Heroes Earnings Assistance and Relief Tax Act of 2008); (2) purchases located in IRC Section 143 federally designated targeted census tracts in Delaware. Sul credito, il programma afferma: 620 minimum FICO. Borrowers with credit scores 659 or below MUST complete DSHA-approved housing counseling. È richiesto un corso per chi compra casa, tramite DSHA-approved housing counseling agencies; required for borrowers with FICO 620-659 and recommended for all (HUD-approved counselors). Requisito di residenza: Property must be located in Delaware (any county) and used as the borrower's principal residence within 60 days of closing. Cittadinanza o status migratorio: U.S. citizen, permanent resident alien, or qualified non-citizen per the underlying loan product (FHA/VA/USDA/Conventional) requirements. Borrower must be a FIRST-TIME homebuyer (no ownership interest in a primary residence within the past 3 years). Must obtain a DSHA Smart Start first mortgage (30-year fixed) through a DSHA Preferred Lender. Annual household income must not exceed Welcome Home county/household-size limits (see income_limit_description). Property must be in Delaware and used as primary residence. Borrowers with FICO 620-659 must complete pre-purchase housing counseling. Federal IRS recapture tax may apply (mortgage revenue bond program). FTHB requirement waived for veterans (per Heroes Earnings Assistance and Relief Tax Act) and for purchases in IRC Section 143 federally targeted areas.

Welcome Home: First State Home Loan (DSHA Welcome Home) limita il reddito familiare a $167,160. 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.

Welcome Home: First State Home Loan (DSHA Welcome Home) fissa un prezzo di acquisto massimo di $754,406. I tipi di immobile idonei includono Single-family detached, attached townhouse, condominium (on FHA/VA/Fannie/Freddie-approved project lists), planned unit development (PUD), and 1-2 unit owner-occupied properties (per first-mortgage product rules). Manufactured housing eligible per FHA/VA/USDA standards. Le nuove costruzioni sono idonee. Le case prefabbricate sono idonee.

Welcome Home: First State Home Loan (DSHA Welcome Home) si rivolge a chi compra casa in Statewide, Delaware. Il programma si rivolge a zone specifiche: Federally designated targeted areas under IRC Section 143 receive higher income limits, higher purchase price limits, and waived first-time-homebuyer rules. Targeted census tracts: New Castle 0006.02, 0019.02, 0021.00, 0023.00, 0029.00, 0030.02; Kent 0425.00; Sussex 0505.03, 0507.11.

Le domande per Welcome Home: First State Home Loan (DSHA Welcome Home) 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 Reserved by DSHA Preferred Lender via the DSHA Lender Online portal at the time of first-mortgage reservation/lock; subject to bond allocation availability. 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.