ECLF Down Payment Assistance Program (Amortized Loan)

Ang ECLF Down Payment Assistance Program (Amortized Loan) ay isang grant para sa mga bibili ng bahay sa Statewide, Colorado. The ECLF Amortized Loan is the Eagle County Loan Fund's product for buyers using FHA financing. It funds up to 5% of purchase price (capped near $42,500 because the program's max purchase price is $850,000) as a 15-year amortizing 2nd mortgage at 2.5% simple interest, repaid monthly in lockstep with the first mortgage. Loans paid in full within the first 24 months receive a credit for all interest paid. ECLF is funded jointly by Eagle County and the Vail Board of Realtors and administered by The Valley Home Store; loans are originated through the Eagle County Housing & Development Authority. Up to 5% of purchase price (capped near $42,500 against the $850,000 maximum) as a fully amortizing 15-year 2nd mortgage at 2.5% simple interest, used for down payment and closing costs on FHA first mortgages. Loans paid in full within the first 24 months receive a credit for all interest paid. Borrower must contribute at least 50% of the loan amount with a minimum of $3,000. Ang pondo ay mula sa Local Government at Realtor Contribution.

Nag-aalok ang ECLF Down Payment Assistance Program (Amortized Loan) ng tulong na hanggang $42,500. Ambag ng bibili ng bahay: Buyer must invest at least 50% of the ECLF loan amount, with a minimum of $3,000 of borrower's own funds. Maaaring isama ang programa sa iba pang tulong, ayon sa mga patakaran ng bawat isa. Ang mga halaga ay ang pinakamataas na inilathala ng programa, hindi isang alok — ang ang ahensyang nangangasiwa ang nagpapasya sa anumang indibidwal na award.

Ang ECLF Down Payment Assistance Program (Amortized Loan) ay isang grant, kaya hindi ito binabayaran. Kailangang bayaran kapag may Monthly amortization over 15 years at full repayment due on sale, transfer, refinance, or loss of owner-occupancy. Nakatala ang tulong bilang lien sa posisyong 2. Ang mga tuntunin sa pagpapatawad at pagbabayad ay itinatakda ng programa at maaaring magbago — kumpirmahin ang mga ito sa opisyal na pahina ng programa bago mag-apply.

Bukas ang ECLF Down Payment Assistance Program (Amortized Loan) sa mga bibili ng bahay na titira sa bahay bilang pangunahing tirahan. Tungkol sa credit, sinasabi ng programa: Per FHA first-mortgage underwriting; ECLF does not publish a separate minimum. Kailangan ang kurso sa homebuyer education, sa pamamagitan ng The Valley Home Store; Eagle County Housing & Development Authority. Requirement sa paninirahan: Property must be in Eagle County and owner-occupied as primary residence. Citizenship o katayuan sa imigrasyon: U.S. citizen or eligible non-citizen (per FHA requirements). First mortgage must be FHA. Borrower contributes at least 50% of the loan amount (minimum $3,000). Property must be owner-occupied as primary residence in Eagle County. Maximum purchase price $850,000. Pre-purchase counseling through The Valley Home Store and Eagle County Housing & Development Authority required. Loans paid off within 24 months receive a refund of all interest paid. Stackable with Good Deeds Avon and Good Deeds Vail buy-down programs on properties at or below $850,000.

Ganito itinatakda ng ECLF Down Payment Assistance Program (Amortized Loan) ang income limit nito: No published household income cap on the ECLF Amortized Loan; eligibility is driven by purchase-price cap of $850,000 and FHA first-mortgage qualifying. Nalalapat ang limit sa kabuuang kita ng sambahayan, hindi lang sa kita ng nanghihiram. Ang mga numero ng median na kita sa lugar ay inilalathala ng HUD at ina-update taun-taon, kaya tingnan ang kasalukuyang talahanayan para sa county bago umasa sa isang numero.

Nililimitahan ng ECLF Down Payment Assistance Program (Amortized Loan) ang presyo ng pagbili sa $850,000. Kabilang sa mga kwalipikadong uri ng ari-arian ang Single-family detached, Townhome, at Condominium. Kwalipikado ang bagong gawang bahay.

Pinaglilingkuran ng ECLF Down Payment Assistance Program (Amortized Loan) ang mga bibili ng bahay sa Statewide, Colorado.

Dumadaan sa ang ahensyang nangangasiwa ang mga aplikasyon para sa ECLF Down Payment Assistance Program (Amortized Loan), na naglalathala ng kasalukuyang mga tuntunin at mga hakbang sa pag-apply sa sarili nitong site. Nirereserba ang pondo sa pamamagitan ng Application via The Valley Home Store / Housing Eagle County. Ang Hey Prescott ay hindi nagpapautang at hindi tumatanggap ng aplikasyon; inilalarawan ng pahinang ito ang programa para madala ito ng bibili ng bahay sa isang lender o housing counselor.