The Culinary & Bartenders Housing Partnership Down Payment Assistance program

The Culinary & Bartenders Housing Partnership Down Payment Assistance program è un secondo prestito differito per chi compra casa in 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. I fondi provengono da Local e Other.

The Culinary & Bartenders Housing Partnership Down Payment Assistance program viene condonato dopo 5 anni, quindi chi resta nella casa per quel periodo non lo restituisce. Il rimborso scatta in caso di 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. 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.

The Culinary & Bartenders Housing Partnership Down Payment Assistance program è aperto a chi compra la prima casa e chi compra casa e ci vivrà come residenza principale. Qui "prima casa" prevede delle eccezioni: Federally targeted census tracts may waive the FTHB requirement on a case-by-case basis (subject to NPI program review). Sul credito, il programma afferma: 640 minimum mid-FICO across all loan products. È richiesto un corso per chi compra casa, tramite Nevada Partners, Inc. HUD-approved homebuyer education and 1:1 housing counseling (required). Framework Homeownership and eHome America also accepted. Requisito di residenza: 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. Cittadinanza o status migratorio: 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 il reddito familiare a $100,550. Il limite si applica al reddito totale del nucleo familiare, non solo a quello del richiedente del mutuo. Il programma indica una dimensione massima del nucleo familiare di 8. 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.

The Culinary & Bartenders Housing Partnership Down Payment Assistance program limita il prezzo di acquisto così: 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. I tipi di immobile idonei includono Single-family detached, condominium, townhouse, PUD, 2-4 unit (per first-mortgage product overlays) e manufactured home on permanent foundation. Le nuove costruzioni sono idonee. Le case prefabbricate sono idonee.

The Culinary & Bartenders Housing Partnership Down Payment Assistance program cita veterani tra i gruppi a cui si rivolge. Essere citati qui significa che il programma menziona il gruppo, non che l'appartenenza basti da sola a soddisfare i requisiti: valgono comunque le altre regole di idoneità.

The Culinary & Bartenders Housing Partnership Down Payment Assistance program si rivolge a chi compra casa in Las Vegas, Nevada.

Le domande per The Culinary & Bartenders Housing Partnership Down Payment Assistance program 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 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 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.