Housing Preservation Program - Down Payment Assistance

Ang Housing Preservation Program - Down Payment Assistance ay isang shared-appreciation loan para sa mga bibili ng bahay sa Jackson, Wyoming. Up to $200,000 (or 20% of purchase price) in down payment assistance for qualified Teton County workforce households purchasing market-rate homes, in exchange for a permanent Workforce Ownership deed restriction with a 3% annual appreciation cap. Strict local-employment and residency requirements; no first-time-homebuyer requirement. The Housing Preservation Program preserves market-rate homes for the local Teton County workforce by providing substantial down payment assistance in exchange for a permanent Workforce Ownership deed restriction. Qualified workforce households may receive up to $200,000 (or up to 20% of the purchase price, whichever is less) toward purchasing a market home in Teton County. The recorded deed restriction caps annual price appreciation at 3% per year, ensuring the home remains attainable for future workforce buyers. The program is one of the most generous DPA programs in the United States, reflecting Teton County's status as the highest-priced housing market in the Mountain West (median sale prices regularly exceed $3,000,000 in 2025-2026). Ang pondo ay mula sa Local at Other.

Nagbibigay ang Housing Preservation Program - Down Payment Assistance ng tulong na katumbas ng 20% ng presyo ng pagbili, ayon sa itinakda ng programa. Ambag ng bibili ng bahay: Borrower contribution determined by first-mortgage lender; the Preservation Program DPA may cover up to 20% of purchase price, allowing some borrowers to close with minimal personal 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 Housing Preservation Program - Down Payment Assistance ay isang shared-appreciation loan at binabayaran ayon sa mga tuntuning itinakda ng ang ahensyang nangangasiwa. Kailangang bayaran kapag may DPA balance is functionally repaid through the deed-restricted resale-price formula (3% annual appreciation cap) when the household sells the home. Triggers include sale, transfer of title, end of owner-occupancy, or violation of the workforce-occupancy covenant. 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 Housing Preservation Program - Down Payment Assistance sa mga bibili ng bahay na titira sa bahay bilang pangunahing tirahan. Tungkol sa credit, sinasabi ng programa: No program-mandated minimum FICO; credit qualifying determined by the first-mortgage lender (typically 620+ for conventional, 580+ for FHA). Kailangan ang kurso sa homebuyer education, sa pamamagitan ng Teton County Housing Authority requires a homebuyer counseling/education session and a Preservation Program orientation before closing. The Housing Department conducts orientations directly; private counseling is also accepted from Wyoming Housing Network and HUD-approved national online providers. Requirement sa paninirahan: Property must be located in Teton County, Wyoming and serve as the household'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. Strict workforce eligibility: (1) at least one household member must work a minimum of 1,560 hours per year (~30 hrs/wk) for a Local Business operating physically in Teton County; (2) the household must earn at least 75% of its total income from local sources; (3) NO household member may own other residential real estate within 150 miles of Teton County; (4) the home must be occupied as the household's principal residence; (5) the household must record a permanent Workforce Ownership deed restriction at closing capping resale appreciation at 3% per year. The seed-listed income range $186,340-$351,384 represents the program's typical 160%-200% AMI workforce target band (Teton County 2025 HUD AMI for 4-person household is approximately $175,800; 200% AMI ~ $351,384). Per the Housing Department: 'There is NOT an income or asset limit for Workforce homes,' but underwriting and program-pool prioritization use these AMI bands.

Nililimitahan ng Housing Preservation Program - Down Payment Assistance ang kita ng sambahayan sa 200% ng median na kita sa lugar, na nag-iiba ayon sa county at laki ng sambahayan. There is NOT a hard income or asset limit for Workforce-deed-restricted homes under the Preservation Program. The seed range $186,340-$351,384 reflects the typical 160%-200% AMI band the program targets in Teton County (HUD 2025 4-person AMI ~$175,800). Updated income limits are published annually on tetoncountywy.gov/1456/Income-Asset-Limit-Chart and reflected the 6.31% AMI increase HUD announced for Teton County in the 2025 update. 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 Housing Preservation Program - Down Payment Assistance ang presyo ng pagbili: No formal program purchase-price cap; in practice, properties priced above $3M-$5M may exceed conventional/jumbo qualifying for typical workforce incomes. Median Teton County sale prices were ~$3,000,000+ in 2025. Kabilang sa mga kwalipikadong uri ng ari-arian ang Single-family detached, condominium, townhouse, PUD within Teton County, Wyoming. Must be a market-rate home (NOT already deed-restricted under another program). Kwalipikado ang bagong gawang bahay. Hindi kwalipikado ang mga manufactured home.

Pinaglilingkuran ng Housing Preservation Program - Down Payment Assistance ang mga bibili ng bahay sa Jackson, Wyoming.

Dumadaan sa ang ahensyang nangangasiwa ang mga aplikasyon para sa Housing Preservation Program - Down Payment Assistance, na naglalathala ng kasalukuyang mga tuntunin at mga hakbang sa pag-apply sa sarili nitong site. Nirereserba ang pondo sa pamamagitan ng Direct application to the Jackson/Teton County Affordable Housing Department; applicants enter the Preservation Program pre-approval queue. Once pre-approved, applicants have a defined window to identify and place under contract a qualifying market home. 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.