FHLB Des Moines Home$tart Down Payment Assistance Grant

Ang FHLB Des Moines Home$tart Down Payment Assistance Grant ay isang grant para sa mga bibili ng bahay sa Statewide, Idaho, na pinangangasiwaan ng Federal Home Loan Bank of Des Moines (through participating member institutions). Home$tart is a down payment and closing cost assistance grant offered through FHLB Des Moines member institutions for qualifying first-time homebuyers in the FHLB Des Moines district, which includes Idaho. The grant provides $15,000 per household toward down payment, closing costs, and up to $250 of homebuyer education for households at or below 80% AMI. Grant funds are secured by a 5-year deed restriction and forgiven pro rata over 60 months. Funds are reserved by participating members first-come, first-served and replenished quarterly in 2026. Up to $15,000 grant toward down payment and closing costs. No repayment if retained 5 years (forgiven pro rata). May be layered with other DPA in any lien position. Covers up to $250 of homebuyer education. Ang pondo ay mula sa FHLB Des Moines Affordable Housing Program (10% of net income set-aside).

Nag-aalok ang FHLB Des Moines Home$tart Down Payment Assistance Grant ng tulong na hanggang $15,000. Maaaring isama ang programa sa May be layered with other down payment products and may be in any recording position. Ang mga halaga ay ang pinakamataas na inilathala ng programa, hindi isang alok — ang Federal Home Loan Bank of Des Moines (through participating member institutions) ang nagpapasya sa anumang indibidwal na award.

Ang FHLB Des Moines Home$tart Down Payment Assistance Grant ay isang grant, kaya hindi ito binabayaran. Kailangang bayaran kapag may Sale of the home within the 5-year retention period (pro-rata repayment of the unforgiven portion). Nakatala ang tulong bilang lien sa posisyong Secured by a 5-year self-extinguishing deed restriction/retention agreement; may be in any recording position. 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 FHLB Des Moines Home$tart Down Payment Assistance Grant sa mga unang beses na bibili ng bahay at mga bibili ng bahay na titira sa bahay bilang pangunahing tirahan. May mga eksepsiyon dito ang "unang beses": Defined as not having owned a home in the prior three years (HUD first-time homebuyer definition). Kailangan ang kurso sa homebuyer education, sa pamamagitan ng Any qualifying homebuyer education course completed prior to closing (counseling/education costs reimbursable up to $250). Available only through FHLB Des Moines member institutions; homebuyer must work with a participating member (FHLB does not take applications directly). Homebuyer education must be completed prior to closing. As of mid-2026 the general pool was fully reserved for the current quarter; funds return via expiring reservations and replenish at quarterly dates, so the program remains active. Citizenship requirement and minimum credit score not specified on official source.

Nililimitahan ng FHLB Des Moines Home$tart Down Payment Assistance Grant ang kita ng sambahayan sa 80% ng median na kita sa lugar, na nag-iiba ayon sa county at laki ng sambahayan. Household income at or below 80% of area median income (by household size and state/county) per HUD or NAHASDA income limits; calculated as of reservation date including all current and intended household members. 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.

Ganito nililimitahan ng FHLB Des Moines Home$tart Down Payment Assistance Grant ang presyo ng pagbili: In-district purchase price limits apply; see FHLB Des Moines Income and Purchase Price Limits page. Kabilang sa mga kwalipikadong uri ng ari-arian ang Single Family, Condo, 2-4 Unit, at Manufactured. Kwalipikado ang bagong gawang bahay. Kwalipikado ang mga manufactured home.

Pinaglilingkuran ng FHLB Des Moines Home$tart Down Payment Assistance Grant ang mga bibili ng bahay sa Statewide, Idaho.

Dumadaan sa Federal Home Loan Bank of Des Moines (through participating member institutions) ang mga aplikasyon para sa FHLB Des Moines Home$tart Down Payment Assistance Grant, na naglalathala ng kasalukuyang mga tuntunin at mga hakbang sa pag-apply sa sarili nitong site. Nirereserba ang pondo sa pamamagitan ng Reservations submitted by participating members via DP Online (eAdvantage) prior to closing; first-come, first-served until pool or member cap exhausted. 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.