Homes by CFE Down Payment Assistance Program

Homes by CFE Down Payment Assistance Program은(는) Washington, District of Columbia 주택 구매자를 위한 가치 상승분 공유 대출이며, City First Homes, Inc. (dba Homes by CFE)에서 운영합니다. Homes by CFE is a Special Purpose Credit Program from City First Homes (a DC-government-supported 501(c)(3), NMLS #1503997) that provides up to 20% of a home's purchase price (max $100,000) as down payment assistance, plus up to $10,000 in closing cost assistance for borrowers at or below 100% MFI. The borrower makes interest-only monthly payments, and the total assistance is repaid when the home is sold or refinanced. The program is designed to expand homeownership for African American/Black and Hispanic/Latinx households in DC. Up to 20% of purchase price (max $100,000) DPA. Up to $10,000 additional closing cost assistance for borrowers at/below 100% MFI. Interest-only repayment during loan term. Loan reduced if borrower contributes more own funds. Designed to close the financing gap for Black and Hispanic/Latinx DC buyers. 재원은 City First Homes / City First Enterprises (CFE) nonprofit capital; supported by the DC government에서 나옵니다.

Homes by CFE Down Payment Assistance Program은(는) 최대 $100,000의 지원을 제공합니다. 지원 등급: Up to 20% of purchase price (max $100,000) for borrowers at/below 120% MFI; borrowers at/below 100% MFI may also receive up to an additional $10,000 in closing cost assistance. 주택 구매자 부담금: No stated minimum borrower contribution; if borrower contributes more own funds, Homes by CFE reduces the loan amount accordingly. 이 프로그램은 Borrower must obtain a separate first trust mortgage; lender must accept the Homes by CFE DPA loan terms.와(과) 함께 이용할 수 있습니다. 금액은 프로그램이 공개한 최대 금액이며 제안이 아닙니다 — 개인별 지원 금액은 City First Homes, Inc. (dba Homes by CFE)에서 정합니다.

Homes by CFE Down Payment Assistance Program은(는) 가치 상승분 공유 대출이며 City First Homes, Inc. (dba Homes by CFE)에서 정한 조건에 따라 상환합니다. 상환 사유: Total assistance (down payment + any closing cost assistance) is repaid when the property is sold or refinanced. Borrower makes monthly interest-only payments for the term of the loan until then. 지원금은 Second (subordinate to first trust mortgage) 순위로 등기됩니다. 탕감 및 상환 조건은 프로그램이 정하며 바뀔 수 있습니다 — 신청 전에 공식 프로그램 페이지에서 확인하세요.

Homes by CFE Down Payment Assistance Program의 대상: 생애 첫 주택 구매자 및 주택을 주 거주지로 사용할 주택 구매자. 여기서 "생애 첫"에는 예외가 있습니다: FHA first-time homebuyer definition (no principal-residence ownership in past 3 years). Exceptions: single parents/displaced homemakers who only owned with a former spouse; persons who only owned a non-permanently-affixed residence or non-code-compliant property. 신용에 대해 프로그램은 다음과 같이 명시합니다: Not published; borrower must qualify for a first trust mortgage. Special Purpose Credit Program designed for borrowers locked out of homeownership. 주택 구매자 교육 이수가 필요하며, Homeownership counseling (certificate required) plus the mandatory Homes by CFE homebuyer orientation.을(를) 통해 받습니다. 거주 요건: Property must be purchased in the District of Columbia and occupied as primary residence. SPECIAL PURPOSE CREDIT PROGRAM: borrower must identify as African American/Black or Hispanic/Latinx to qualify (race/ethnicity restricted). After closing, borrower may not have more than six months of cash reserves (excludes 401(k)s). Gaps: exact min credit score, max DTI, annual funding cap, eligible mortgage products, and exact 4-person income dollar limit not published.

Homes by CFE Down Payment Assistance Program은(는) 가구 소득을 지역 중위 소득의 120%로 제한하며, 이 금액은 카운티와 가구 규모에 따라 다릅니다. Income must fall below 120% Median Family Income (MFI) for household size, based on DC DHCD Inclusionary Zoning income limits (updated annually). Co-borrower income included. Borrowers at/below 100% MFI qualify for additional $10,000 closing cost assistance. 한도는 차입자 본인의 소득만이 아니라 가구 전체 소득에 적용됩니다. 지역 중위 소득 수치는 HUD가 발표하고 매년 갱신하므로, 수치를 믿고 판단하기 전에 해당 카운티의 최신 표를 확인하세요.

Homes by CFE Down Payment Assistance Program은(는) 구매 가격 상한을 $584,400(으)로 정합니다. 대상 주택 유형: Single Family, Condo 및 Cooperative.

Homes by CFE Down Payment Assistance Program은(는) Washington, District of Columbia에서 주택을 구매하는 주택 구매자를 지원합니다.

Homes by CFE Down Payment Assistance Program 신청은 City First Homes, Inc. (dba Homes by CFE)을(를) 통해 진행되며, 해당 기관이 자체 사이트에 최신 조건과 신청 절차를 게시합니다. 자금 예약: Apply via online program application; a team member contacts applicant within 48 hours; approval to loan issuance within 3 business days of receiving all documentation. Hey Prescott는 대출 기관이 아니며 신청서를 받지 않습니다. 이 페이지는 주택 구매자가 대출 기관이나 주택 상담사에게 가져갈 수 있도록 프로그램을 설명합니다.