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) — это отсроченный второй заём для покупателей жилья: Statewide, Delaware. 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. Источник финансирования: State и Bond.

Repeat and First-Time Homebuyer First State Home Loan Program (DSHA Open Door) — отсроченная помощь: платежи не требуются, пока жильё не будет продано или рефинансировано либо пока не будет погашена первая ипотека. Возврат требуется в случае: 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. Помощь регистрируется как залог в очереди: 2nd Lien. Условия списания и возврата устанавливает программа, и они могут меняться — перед подачей заявки проверьте их на официальной странице программы.

Repeat and First-Time Homebuyer First State Home Loan Program (DSHA Open Door) открыта для покупателей жилья, которые будут жить в доме как в основном месте жительства. О кредитной истории программа сообщает: 620 minimum FICO. Borrowers with credit scores 659 or below MUST complete DSHA-approved housing counseling. Обязателен курс для покупателей жилья, через DSHA-approved housing counseling agencies; required for borrowers with FICO 620-659 and recommended for all (HUD-approved counselors). Требование о месте жительства: Property must be located in Delaware (any county) and used as the borrower's principal residence within 60 days of closing. Гражданство или иммиграционный статус: 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) ограничивает доход домохозяйства суммой $179,100. Предел относится к общему доходу домохозяйства, а не только к доходу заёмщика. Показатели медианного дохода по району публикует HUD и обновляет ежегодно, поэтому, прежде чем полагаться на цифру, сверьтесь с действующей таблицей для округа.

Repeat and First-Time Homebuyer First State Home Loan Program (DSHA Open Door) ограничивает цену покупки суммой $754,406. Допустимые виды жилья: 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. Новостройки допускаются. Сборные (заводские) дома допускаются.

Repeat and First-Time Homebuyer First State Home Loan Program (DSHA Open Door) помогает покупателям жилья, которые покупают в этом месте: Statewide, Delaware. Программа направлена на определённые районы: 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.

Заявки на Repeat and First-Time Homebuyer First State Home Loan Program (DSHA Open Door) подаются через агентство, которое ведёт программу; агентство публикует действующие условия и порядок подачи на своём сайте. Средства резервируются через 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 Prescott не является кредитором и не принимает заявки; эта страница описывает программу, чтобы покупатель жилья мог обсудить её с кредитором или жилищным консультантом.