Minnesota Housing - Deferred Payment Loan (DPL)

Minnesota Housing - Deferred Payment Loan (DPL)은(는) Statewide, Minnesota 주택 구매자를 위한 상환 유예 후순위 대출입니다. Minnesota Housing's $11,000 deferred 0% second mortgage DPA paired with Start Up first mortgage. Statewide. 640 FICO. FTHB required. 80% AMI / Start Up income limits. $13,000 max liquid assets at closing. Lower-income tier (companion to DPL+ and MPL). Minnesota Housing's Deferred Payment Loan (DPL) provides up to $11,000 in down payment and closing cost assistance, structured as a 0% interest deferred second mortgage with no monthly payments. The loan is interest-free and the principal is repaid as a lump-sum balloon at maturity - triggered by sale, refinance of first mortgage, transfer of title, payoff, or when the property ceases to be the borrower's primary residence. DPL pairs only with Minnesota Housing's Start Up first mortgage (first-time homebuyer product), available as FHA, VA, USDA-RD, Conv HFA Preferred, or Fannie Mae HFA Preferred Risk Sharing. Statewide eligibility - all 87 Minnesota counties. DPL is targeted at the lower-income segment of MN Housing's borrower base: household income limited to roughly $75,000 (1-2 person Greater MN) up to $146,000 (3+ person high-income census tracts in 11-county Twin Cities metro), generally aligned with 80% AMI by area. Liquid assets at closing capped at $13,000. 640 minimum FICO across all eligible first-mortgage products. First-time homebuyer required (no ownership of primary residence in prior 3 years), with target-area waivers. Pre-purchase Qualified Homebuyer Education required for at least one borrower. Maximum purchase price $604,400 (Greater MN 1-unit) up to $659,550 (11-county metro 1-unit) per MN Housing's Start Up sales price limits. Effective February 2025, the DPL maximum was reduced from $14,000 to $11,000 in coordination with the introduction of expanded DPL+ targeting. 재원은 State 및 Bond에서 나옵니다.

Minnesota Housing - Deferred Payment Loan (DPL)은(는) 최대 $14,000의 지원을 제공합니다. 프로그램은 주택 구매자에게 $1,000 minimum borrower contribution from own funds (cannot be from gift or DPA itself).의 부담을 요구합니다. 이 프로그램은 각 지원의 규정에 따라 다른 지원과 함께 이용할 수 있습니다. 금액은 프로그램이 공개한 최대 금액이며 제안이 아닙니다 — 개인별 지원 금액은 운영 기관에서 정합니다.

Minnesota Housing - Deferred Payment Loan (DPL)은(는) 상환이 유예되므로, 주택을 팔거나 재융자하거나 선순위 모기지를 다 갚을 때까지 납부할 금액이 없습니다. 상환 사유: 0% interest deferred second mortgage. No monthly payments. Full $11,000 balance due as lump-sum balloon upon sale, refinance of first mortgage, transfer of title, payoff of first mortgage, or when property ceases to be borrower's primary residence. 지원금은 2nd Lien 순위로 등기됩니다. 탕감 및 상환 조건은 프로그램이 정하며 바뀔 수 있습니다 — 신청 전에 공식 프로그램 페이지에서 확인하세요.

Minnesota Housing - Deferred Payment Loan (DPL)의 대상: 생애 첫 주택 구매자 및 주택을 주 거주지로 사용할 주택 구매자. 여기서 "생애 첫"에는 예외가 있습니다: FTHB requirement waived in federally targeted census tracts under IRS Section 143(d)(2)(B), and for qualifying veterans (federal MRB veteran waiver). 신용에 대해 프로그램은 다음과 같이 명시합니다: 640 minimum FICO across all eligible first-mortgage products (FHA / VA / USDA-RD / Conv HFA Preferred). Some manual underwriting at 640 with compensating factors; AUS approval typically requires 660+. 주택 구매자 교육 이수가 필요하며, Minnesota Homeownership Center HUD-approved Home Stretch and Framework / eHome America counseling providers, plus tribal and culturally-specific HUD-approved counseling agencies. Pre-purchase Qualified Homebuyer Education (workshop or online) is required for at least one of the borrowers receiving a DPL, DPL+, or MPL.을(를) 통해 받습니다. 거주 요건: Property must be located in Minnesota (any of 87 counties) and serve as borrower's primary residence within 60 days of closing. Must remain primary residence for life of the deferred loan. 시민권 또는 이민 신분: U.S. citizen, permanent resident, or qualifying non-permanent resident alien per first-mortgage product overlays. Must be paired with Minnesota Housing's Start Up first mortgage (first-time homebuyer product). 640 minimum FICO across all eligible first-mortgage products. 50% maximum DTI per Start Up overlays (some manual UW at 45%). $1,000 minimum borrower contribution from own funds. Total liquid assets at completion of closing limited to $13,000. First-time homebuyer required (defined as no ownership of a primary residence during prior 3 years), waived in federally targeted census tracts. At least one borrower must complete Qualified Homebuyer Education (Home Stretch in-person or Framework / eHome America online). Property must be primary residence; non-owner-occupancy triggers full repayment. The DPL second mortgage is 0% interest, deferred - no monthly payments, lump-sum balloon at first-mortgage payoff/sale/refi/title transfer/non-occupancy. Income includes ALL household members 18+ (gross). Maximum purchase price $604,400 - $659,550 by location.

Minnesota Housing - Deferred Payment Loan (DPL)은(는) 가구 소득을 지역 중위 소득의 80%로 제한하며, 이 금액은 카운티와 가구 규모에 따라 다릅니다. Minnesota Housing 2026 Start Up income limits (combined household gross income, all earners): roughly $75,000 (1-2 person Greater Minnesota lower-cost counties) up to $146,000 (3+ person high-income 11-county Twin Cities metro). Limits vary by county and household size and adjust annually with HUD AMI updates. Verify current limits on Minnesota Housing Homeownership Income Limits page. 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.

Minnesota Housing - Deferred Payment Loan (DPL)은(는) 구매 가격 상한을 $659,550(으)로 정합니다. 대상 주택 유형: Single-family detached, condominium (Fannie/Freddie/FHA project-approved), townhouse, PUD, manufactured home (real-property-titled, permanent foundation, meeting MN Housing manufactured-home overlay), 2-unit owner-occupied (1-unit owner-occupied required). Per Start Up first-mortgage overlays. 신축 주택도 대상입니다. 조립식 주택도 대상입니다.

Minnesota Housing - Deferred Payment Loan (DPL)은(는) 지원 대상 그룹으로 재향군인, 현역 군인, 예비군 및 주방위군 대원, 유족 배우자, 아메리칸 인디언 및 알래스카 원주민 주택 구매자 및 장애가 있는 주택 구매자을(를) 명시합니다. 여기에 이름이 나온다는 것은 프로그램이 해당 그룹을 언급한다는 뜻이며, 그 그룹에 속한다는 것만으로 신청자가 자격을 갖춘다는 뜻은 아닙니다 — 나머지 자격 요건도 그대로 적용됩니다.

Minnesota Housing - Deferred Payment Loan (DPL)은(는) Statewide, Minnesota에서 주택을 구매하는 주택 구매자를 지원합니다. 이 프로그램은 특정 지역을 대상으로 합니다: Minnesota Housing-designated federally targeted census tracts (per IRS Section 143(j) and HUD distressed-area lists) where FTHB requirement is waived and (for some MN Housing tiers) higher income/sales price limits apply. Includes parts of Minneapolis, Saint Paul, Duluth, Iron Range, and rural distressed counties. Verify by census tract on MN Housing target-area list.

Minnesota Housing - Deferred Payment Loan (DPL) 신청은 운영 기관을(를) 통해 진행되며, 해당 기관이 자체 사이트에 최신 조건과 신청 절차를 게시합니다. 자금 예약: Reserved through Minnesota Housing's Lender Online Loan Commitment System at time of rate lock by MN Housing-approved lender. Hey Prescott는 대출 기관이 아니며 신청서를 받지 않습니다. 이 페이지는 주택 구매자가 대출 기관이나 주택 상담사에게 가져갈 수 있도록 프로그램을 설명합니다.