Housing Preservation Program - Down Payment Assistance

Housing Preservation Program - Down Payment Assistance은(는) Jackson, Wyoming 주택 구매자를 위한 가치 상승분 공유 대출입니다. Up to $200,000 (or 20% of purchase price) in down payment assistance for qualified Teton County workforce households purchasing market-rate homes, in exchange for a permanent Workforce Ownership deed restriction with a 3% annual appreciation cap. Strict local-employment and residency requirements; no first-time-homebuyer requirement. The Housing Preservation Program preserves market-rate homes for the local Teton County workforce by providing substantial down payment assistance in exchange for a permanent Workforce Ownership deed restriction. Qualified workforce households may receive up to $200,000 (or up to 20% of the purchase price, whichever is less) toward purchasing a market home in Teton County. The recorded deed restriction caps annual price appreciation at 3% per year, ensuring the home remains attainable for future workforce buyers. The program is one of the most generous DPA programs in the United States, reflecting Teton County's status as the highest-priced housing market in the Mountain West (median sale prices regularly exceed $3,000,000 in 2025-2026). 재원은 Local 및 Other에서 나옵니다.

Housing Preservation Program - Down Payment Assistance은(는) 프로그램이 정한 대로 구매 가격의 20%에 해당하는 지원을 제공합니다. 주택 구매자 부담금: Borrower contribution determined by first-mortgage lender; the Preservation Program DPA may cover up to 20% of purchase price, allowing some borrowers to close with minimal personal funds. 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.

Housing Preservation Program - Down Payment Assistance은(는) 가치 상승분 공유 대출이며 운영 기관에서 정한 조건에 따라 상환합니다. 상환 사유: DPA balance is functionally repaid through the deed-restricted resale-price formula (3% annual appreciation cap) when the household sells the home. Triggers include sale, transfer of title, end of owner-occupancy, or violation of the workforce-occupancy covenant. 지원금은 2nd Lien 순위로 등기됩니다. 탕감 및 상환 조건은 프로그램이 정하며 바뀔 수 있습니다 — 신청 전에 공식 프로그램 페이지에서 확인하세요.

Housing Preservation Program - Down Payment Assistance의 대상: 주택을 주 거주지로 사용할 주택 구매자. 신용에 대해 프로그램은 다음과 같이 명시합니다: No program-mandated minimum FICO; credit qualifying determined by the first-mortgage lender (typically 620+ for conventional, 580+ for FHA). 주택 구매자 교육 이수가 필요하며, Teton County Housing Authority requires a homebuyer counseling/education session and a Preservation Program orientation before closing. The Housing Department conducts orientations directly; private counseling is also accepted from Wyoming Housing Network and HUD-approved national online providers.을(를) 통해 받습니다. 거주 요건: Property must be located in Teton County, Wyoming and serve as the household's principal residence. 시민권 또는 이민 신분: U.S. citizen, permanent resident alien, or qualifying non-permanent resident alien per first-mortgage product overlays. Strict workforce eligibility: (1) at least one household member must work a minimum of 1,560 hours per year (~30 hrs/wk) for a Local Business operating physically in Teton County; (2) the household must earn at least 75% of its total income from local sources; (3) NO household member may own other residential real estate within 150 miles of Teton County; (4) the home must be occupied as the household's principal residence; (5) the household must record a permanent Workforce Ownership deed restriction at closing capping resale appreciation at 3% per year. The seed-listed income range $186,340-$351,384 represents the program's typical 160%-200% AMI workforce target band (Teton County 2025 HUD AMI for 4-person household is approximately $175,800; 200% AMI ~ $351,384). Per the Housing Department: 'There is NOT an income or asset limit for Workforce homes,' but underwriting and program-pool prioritization use these AMI bands.

Housing Preservation Program - Down Payment Assistance은(는) 가구 소득을 지역 중위 소득의 200%로 제한하며, 이 금액은 카운티와 가구 규모에 따라 다릅니다. There is NOT a hard income or asset limit for Workforce-deed-restricted homes under the Preservation Program. The seed range $186,340-$351,384 reflects the typical 160%-200% AMI band the program targets in Teton County (HUD 2025 4-person AMI ~$175,800). Updated income limits are published annually on tetoncountywy.gov/1456/Income-Asset-Limit-Chart and reflected the 6.31% AMI increase HUD announced for Teton County in the 2025 update. 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.

Housing Preservation Program - Down Payment Assistance의 구매 가격 상한은 다음과 같습니다: No formal program purchase-price cap; in practice, properties priced above $3M-$5M may exceed conventional/jumbo qualifying for typical workforce incomes. Median Teton County sale prices were ~$3,000,000+ in 2025. 대상 주택 유형: Single-family detached, condominium, townhouse, PUD within Teton County, Wyoming. Must be a market-rate home (NOT already deed-restricted under another program). 신축 주택도 대상입니다. 조립식 주택은 대상이 아닙니다.

Housing Preservation Program - Down Payment Assistance은(는) Jackson, Wyoming에서 주택을 구매하는 주택 구매자를 지원합니다.

Housing Preservation Program - Down Payment Assistance 신청은 운영 기관을(를) 통해 진행되며, 해당 기관이 자체 사이트에 최신 조건과 신청 절차를 게시합니다. 자금 예약: Direct application to the Jackson/Teton County Affordable Housing Department; applicants enter the Preservation Program pre-approval queue. Once pre-approved, applicants have a defined window to identify and place under contract a qualifying market home. Hey Prescott는 대출 기관이 아니며 신청서를 받지 않습니다. 이 페이지는 주택 구매자가 대출 기관이나 주택 상담사에게 가져갈 수 있도록 프로그램을 설명합니다.