The Culinary & Bartenders Housing Partnership Down Payment Assistance program

Ang The Culinary & Bartenders Housing Partnership Down Payment Assistance program ay isang ipinagpalibang pangalawang loan para sa mga bibili ng bahay sa Las Vegas, Nevada. 0% deferred soft-second DPA up to $20,000 with 5-year forgiveness for Culinary Local 226 / Bartenders Local 165 union members buying in Clark County. 640 FICO, 45% DTI, FTHB required, $1,000 borrower contribution. The Culinary & Bartenders Housing Partnership Down Payment Assistance program is administered by Nevada Partners, Inc. (NPI) in partnership with Culinary Workers Union Local 226 and Bartenders Union Local 165. Eligible union-member homebuyers in Clark County receive up to $20,000 in down-payment / closing-cost assistance as a 0% deferred soft second mortgage with no monthly payments. The subordinate lien is forgiven over 5 years of continuous owner-occupancy (1/60th per month) or due in full upon sale, refinance, transfer of title, or non-owner-occupancy within the retention period. Must be paired with a first mortgage from a participating lender. Funds may be used for down payment, closing costs, and prepaid escrows. Ang pondo ay mula sa Local at Other.

Pinapatawad ang The Culinary & Bartenders Housing Partnership Down Payment Assistance program pagkalipas ng 5 taon, kaya hindi na ito babayaran ng bibili ng bahay na mananatili nang ganoon katagal. Kailangang bayaran kapag may Forgiven 1/60th per month over 5 years of continuous owner-occupancy. Full unforgiven balance due upon sale, refinance with cash-out, transfer of title, or non-owner-occupancy within the 5-year retention period. Nakatala ang tulong bilang lien sa posisyong 2nd Lien. 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 The Culinary & Bartenders Housing Partnership Down Payment Assistance program 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": Federally targeted census tracts may waive the FTHB requirement on a case-by-case basis (subject to NPI program review). Tungkol sa credit, sinasabi ng programa: 640 minimum mid-FICO across all loan products. Kailangan ang kurso sa homebuyer education, sa pamamagitan ng Nevada Partners, Inc. HUD-approved homebuyer education and 1:1 housing counseling (required). Framework Homeownership and eHome America also accepted. Requirement sa paninirahan: Property must be located in Clark County, Nevada (Las Vegas, North Las Vegas, Henderson, Boulder City, or unincorporated Clark County) and serve as borrower's principal residence. Citizenship o katayuan sa imigrasyon: U.S. citizen, permanent resident alien, or qualifying non-permanent resident alien per first-mortgage product overlays. RESTRICTED TO MEMBERS IN GOOD STANDING OF CULINARY WORKERS UNION LOCAL 226 OR BARTENDERS UNION LOCAL 165 (and certain Culinary Health Fund participants). Hospitality / casino / food-service industry workers only. Must be a first-time homebuyer (no principal residence in prior 3 years). Income limits by household size 80% AMI Clark County: $51,700 (1p) to $100,550 (8p) per HUD 2025 limits. 640 minimum mid-FICO. 45% maximum DTI. $1,000 minimum borrower contribution from own funds. NPI HUD-approved homebuyer education + 1:1 counseling required. Property must be in Clark County (Las Vegas / North Las Vegas / Henderson / Boulder City).

Nililimitahan ng The Culinary & Bartenders Housing Partnership Down Payment Assistance program ang kita ng sambahayan sa $100,550. Nalalapat ang limit sa kabuuang kita ng sambahayan, hindi lang sa kita ng nanghihiram. Nakalista sa programa ang pinakamalaking laki ng sambahayan na 8. 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 The Culinary & Bartenders Housing Partnership Down Payment Assistance program ang presyo ng pagbili: Generally limited to FHA county loan limit for Clark County (~$524,225 in 2025) when paired with FHA first mortgage; conventional follows agency conforming limits. Kabilang sa mga kwalipikadong uri ng ari-arian ang Single-family detached, condominium, townhouse, PUD, 2-4 unit (per first-mortgage product overlays) at manufactured home on permanent foundation. Kwalipikado ang bagong gawang bahay. Kwalipikado ang mga manufactured home.

Binabanggit ng The Culinary & Bartenders Housing Partnership Down Payment Assistance program ang mga beterano sa mga grupong pinaglilingkuran nito. Ang pagkakabanggit dito ay nangangahulugang binabanggit ng programa ang grupo, hindi na sapat na ang pagiging miyembro para maging kwalipikado ang isang aplikante — nalalapat pa rin ang iba pang patakaran sa eligibility.

Pinaglilingkuran ng The Culinary & Bartenders Housing Partnership Down Payment Assistance program ang mga bibili ng bahay sa Las Vegas, Nevada.

Dumadaan sa ang ahensyang nangangasiwa ang mga aplikasyon para sa The Culinary & Bartenders Housing Partnership Down Payment Assistance program, na naglalathala ng kasalukuyang mga tuntunin at mga hakbang sa pag-apply sa sarili nitong site. Nirereserba ang pondo sa pamamagitan ng Borrower applies through Nevada Partners housing counseling intake; reservation issued upon program eligibility and union-membership verification. Funds disbursed at closing through participating lender. 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.