Welcome Home: First State Home Loan (DSHA Welcome Home)

Welcome Home: First State Home Loan (DSHA Welcome Home) — это отсроченный второй заём для покупателей жилья: Statewide, Delaware. DSHA's Welcome Home is the first-time-homebuyer-only 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, typically priced slightly below the Open Door rate) 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. Welcome Home has tighter income limits than Open Door because it is reserved for first-time buyers, and it offers a slightly better first-mortgage rate plus access to richer DPA tiers (Keys4You 4%, Take5 5%, Diamond in the Rough 5%). The second mortgage requires no monthly payment and is fully deferred until refinance, sale, transfer of title, or loss of primary-residence status. Bundled DSHA product designed exclusively for FIRST-TIME homebuyers (Welcome Home umbrella). Competitive 30-year fixed-rate Smart Start first mortgage at a slightly better rate than Open Door, 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. Welcome Home borrowers also have access to richer DPA tiers: Keys4You (4%), Take5 (5%), and Diamond in the Rough (5% with FHA 203(k) renovation). Источник финансирования: State и Bond.

Welcome Home: First State Home Loan (DSHA Welcome Home) — 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.

Welcome Home: First State Home Loan (DSHA Welcome Home) открыта для тех, кто покупает жильё впервые и покупателей жилья, которые будут жить в доме как в основном месте жительства. Из правила «впервые» здесь есть исключения: First-time-homebuyer (3-year non-ownership) requirement waived for: (1) qualified veterans (per Heroes Earnings Assistance and Relief Tax Act of 2008); (2) purchases located in IRC Section 143 federally designated targeted census tracts in Delaware. 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. Borrower must be a FIRST-TIME homebuyer (no ownership interest in a primary residence within the past 3 years). Must obtain a DSHA Smart Start first mortgage (30-year fixed) through a DSHA Preferred Lender. Annual household income must not exceed Welcome Home 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). FTHB requirement waived for veterans (per Heroes Earnings Assistance and Relief Tax Act) and for purchases in IRC Section 143 federally targeted areas.

Welcome Home: First State Home Loan (DSHA Welcome Home) ограничивает доход домохозяйства суммой $167,160. 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.

Welcome Home: First State Home Loan (DSHA Welcome Home) 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.

Welcome Home: First State Home Loan (DSHA Welcome Home) 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. 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 Welcome Home: First State Home Loan (DSHA Welcome Home) 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.