Repeat and First-Time Homebuyer First State Home Loan Program (DSHA Open Door)

Repeat and First-Time Homebuyer First State Home Loan Program (DSHA Open Door)은(는) Statewide, Delaware 주택 구매자를 위한 상환 유예 후순위 대출입니다. DSHA's Open Door is the first-time AND repeat homebuyer 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) 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. Open Door has higher income limits than Welcome Home because it serves move-up buyers in addition to first-timers. The first mortgage rate is set by DSHA and is typically below conventional market rates; the second mortgage requires no monthly payment and is fully deferred until refinance, sale, transfer of title, or when the property is no longer the borrower's primary residence. Bundled DSHA product for first-time AND repeat homebuyers (Open Door umbrella). Competitive 30-year fixed-rate Smart Start first mortgage (DSHA mortgage revenue bond rate, typically at or below market) 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. Open Door also allows borrowers to upgrade to Keys4You (4% second) instead of First State. 재원은 State 및 Bond에서 나옵니다.

Repeat and First-Time Homebuyer First State Home Loan Program (DSHA Open Door)은(는) 상환이 유예되므로, 주택을 팔거나 재융자하거나 선순위 모기지를 다 갚을 때까지 납부할 금액이 없습니다. 상환 사유: 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. 지원금은 2nd Lien 순위로 등기됩니다. 탕감 및 상환 조건은 프로그램이 정하며 바뀔 수 있습니다 — 신청 전에 공식 프로그램 페이지에서 확인하세요.

Repeat and First-Time Homebuyer First State Home Loan Program (DSHA Open Door)의 대상: 주택을 주 거주지로 사용할 주택 구매자. 신용에 대해 프로그램은 다음과 같이 명시합니다: 620 minimum FICO. Borrowers with credit scores 659 or below MUST complete DSHA-approved housing counseling. 주택 구매자 교육 이수가 필요하며, DSHA-approved housing counseling agencies; required for borrowers with FICO 620-659 and recommended for all (HUD-approved counselors)을(를) 통해 받습니다. 거주 요건: Property must be located in Delaware (any county) and used as the borrower's principal residence within 60 days of closing. 시민권 또는 이민 신분: U.S. citizen, permanent resident alien, or qualified non-citizen per the underlying loan product (FHA/VA/USDA/Conventional) requirements. Must obtain a DSHA Smart Start first mortgage (30-year fixed) through a DSHA Preferred Lender. Borrower's annual household income must not exceed Open Door 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). DSHA charges standard tax-service, document-prep, and reservation fees through the lender.

Repeat and First-Time Homebuyer First State Home Loan Program (DSHA Open Door)은(는) 가구 소득을 $179,100(으)로 제한합니다. 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.

Repeat and First-Time Homebuyer First State Home Loan Program (DSHA Open Door)은(는) 구매 가격 상한을 $754,406(으)로 정합니다. 대상 주택 유형: 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. 신축 주택도 대상입니다. 조립식 주택도 대상입니다.

Repeat and First-Time Homebuyer First State Home Loan Program (DSHA Open Door)은(는) Statewide, Delaware에서 주택을 구매하는 주택 구매자를 지원합니다. 이 프로그램은 특정 지역을 대상으로 합니다: Federally designated targeted areas under IRC Section 143 receive higher income limits, higher purchase price limits, and waived first-time-homebuyer rules where applicable. 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.

Repeat and First-Time Homebuyer First State Home Loan Program (DSHA Open Door) 신청은 운영 기관을(를) 통해 진행되며, 해당 기관이 자체 사이트에 최신 조건과 신청 절차를 게시합니다. 자금 예약: 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 Prescott는 대출 기관이 아니며 신청서를 받지 않습니다. 이 페이지는 주택 구매자가 대출 기관이나 주택 상담사에게 가져갈 수 있도록 프로그램을 설명합니다.