SLVHC Down Payment Assistance Program

SLVHC Down Payment Assistance Program é um segundo empréstimo diferido para compradores de imóveis em Condado de Multiple (Alamosa, Conejos, Costilla, Mineral, Rio Grande, Saguache), Colorado. The San Luis Valley Housing Coalition Down Payment Assistance Program (general track) is the standard SLVHC DPA offering for income-qualified homebuyers in the six-county San Luis Valley region. Funded through Housing Development Grant (HDG) funds from the Colorado Division of Housing, the program provides a low-interest amortizing second-mortgage loan to cover down payment and closing costs on a primary-residence home purchase. Loans carry a fixed 0-2% interest rate (with broader 1-5% range cited on the SLVHC About Us page across program tiers), are amortized over 5 years or longer based on affordability, and are secured by a Deed of Trust. Buyers contribute as little as $1,000 of their own funds. Loan amounts vary up to $19,500 depending on purchase price. Monthly payments deposit into a Revolving Loan Fund. Borrowers must complete the CRHDC First Time Home Buyers class. SLVHC has expanded its DPA income limits to up to 120% AMI as of July 2025; the lower-tier income range ($79,126-$122,100) reported on DPA One reflects the prior 100% AMI eligibility tier. Low-interest amortizing loan (0% to 2% fixed. range up to 5% per About Us page) for the down payment and closing costs on a primary-residence home purchase in the San Luis Valley. Loan amount up to $19,500. Borrower contribution as low as $1,000 of buyer's own funds. Loans amortized over 5 years or longer based on affordability. Secured by Deed of Trust against the home. Monthly payments deposited into a Revolving Loan Fund. Os recursos vêm de State, HDG (Colorado Division of Housing Housing Development Grant) e Revolving Loan Fund.

SLVHC Down Payment Assistance Program é diferido, então não há pagamentos até que o imóvel seja vendido ou refinanciado, ou a primeira hipoteca seja quitada. O reembolso é acionado por Monthly amortizing payments per loan note, secured by Deed of Trust against the home e balance due at sale, refinance, or transfer. A ajuda é registrada como ônus em posição 2. As condições de perdão e reembolso são definidas pelo programa e podem mudar — confirme-as na página oficial do programa antes de se inscrever.

SLVHC Down Payment Assistance Program é aberto a compradores de imóveis que vão morar no imóvel como residência principal. Sobre crédito, o programa afirma: Not separately published; subject to underlying first-mortgage lender requirements. É exigido um curso de educação para compradores de imóveis, por meio de Community Resources and Housing Development Corporation (CRHDC) — First Time Home Buyer class, free first Saturday each month (call 589-1680) or online for a fee at https://crhdc.org/. Requisito de residência: Property must be located in the San Luis Valley (Alamosa, Conejos, Costilla, Mineral, Rio Grande, or Saguache County, Colorado) and used as borrower's primary residence. Property must be borrower's primary residence post-purchase. Borrower must have permanent first-mortgage financing through a lending institution. Borrower must complete the CRHDC 'First Time Home Buyers' class (free monthly in-person or paid online). Loan secured by Deed of Trust. Minimum $1,000 of borrower's own funds toward down payment. Income reviewed annually.

SLVHC Down Payment Assistance Program limita a renda familiar a 100% da renda mediana da região, que varia conforme o condado e o tamanho da família. DPA One profile reports income range of $79,126 (1-person, low end) to $122,100 (5-person upper limit, ~100% AMI tier). Current published SLVHC limits as of July 2025 (now extended to 120% AMI) are: 1 person $85,680; 2 persons $97,920; 3 persons $110,160; 4 persons $122,400; 5 persons $132,240. Income limits are updated annually; contact SLVHC for current figures. O limite vale para a renda total da família, não só a do mutuário. Os valores da renda mediana da região são publicados pelo HUD e atualizados todo ano, então confira a tabela atual do condado antes de se basear em um número.

SLVHC Down Payment Assistance Program limita o preço de compra assim: Loan amount tied to purchase price of the home; SLVHC DPA loan up to $19,500 maximum. Os tipos de imóvel elegíveis incluem Single-family detached, Townhome e Condominium (warrantable, per first-mortgage overlays). Construções novas são elegíveis.

SLVHC Down Payment Assistance Program atende compradores de imóveis que compram em Condado de Multiple (Alamosa, Conejos, Costilla, Mineral, Rio Grande, Saguache), Colorado.

As inscrições para SLVHC Down Payment Assistance Program são feitas por meio de o órgão que administra o programa, que publica as condições atuais e as etapas da inscrição no próprio site. Os recursos são reservados por meio de Direct application to SLVHC; intake handled by DPA Loan Specialist (Jo Manzanares, dpa@slvhc.com). A Hey Prescott não é uma credora e não aceita inscrições; esta página descreve o programa para que um comprador de imóvel possa levá-lo a um credor ou a um conselheiro habitacional.