Closing Cost Assistance Program (Baranof Island Housing Authority)

Closing Cost Assistance Program (Baranof Island Housing Authority)是面向Sitka，Alaska购房者的可免除贷款，由Baranof Island Housing Authority (BIHA)管理。 BIHA's Closing Cost Assistance offers Sitka-area Alaska Native/American Indian first-time homebuyers under 100% MFI up to $5,000 for closing costs, secured by a second/third deed of trust that converts to a forgiven grant after five years of occupancy. Applicants contribute at least $1,500 of their own funds and complete an AHFC Home Choice course. Up to $5,000 toward closing costs. Forgiven after 5 years. 0% interest. Sitka-area AIAN families. 资金来自NAHASDA / federal funds (BIHA is TDHE for Sitka Tribe of Alaska)。

Closing Cost Assistance Program (Baranof Island Housing Authority)提供最高$5,000的援助。 购房者自付部分：Minimum $1,500 out of pocket (earnest money and/or lender-required improvements)。 金额是该项目公布的上限，并非报价——具体每人的援助金额由Baranof Island Housing Authority (BIHA)决定。

Closing Cost Assistance Program (Baranof Island Housing Authority)在5年后免除，因此住满这段时间的购房者无需偿还。 触发还款的情形：Transfer of property before the fifth year of ownership triggers recapture from sale/transfer proceeds。 该援助以Second or third mortgage (Deed of Trust)顺位留置权登记。 免除和还款条款由项目设定，并可能变化——申请前请在项目官方网页上确认。

Closing Cost Assistance Program (Baranof Island Housing Authority)面向首次购房者和将房屋作为主要住所自住的购房者。 此处的“首次”有例外情况：No home ownership in prior 3 years; exceptions for prior marital home or inherited non-occupied share (Exec. Director discretion). 须参加购房者教育课程，由AHFC Home Choice first-time homebuyer education course提供。 居住要求：Sitka area resident。 公民身份或移民身份：Alaska Native/American Indian tribal member (CDIB/BIA proof; Sitka Tribe enrollment for tribal preference)。 Tribal member + Sitka resident; first-time homebuyer; income <100% MFI; $1,500 minimum contribution; AHFC Home Choice certificate; signs Second/Third Mortgage Agreement; background/credit fees apply. Min credit, DTI, max price, annual cap not stated.

Closing Cost Assistance Program (Baranof Island Housing Authority)将家庭收入限制在地区收入中位数的100%，该数值因县和家庭人数而异。 Less than 100% of Area Median Family Income (HUD). 该限制适用于家庭总收入，而不仅是借款人的收入。 地区收入中位数由HUD公布并每年更新，因此在依据某个数字之前，请查看该县的最新表格。

Closing Cost Assistance Program (Baranof Island Housing Authority)在其服务群体中提到了美洲印第安人和阿拉斯加原住民购房者。 在此列出仅表示项目提到了该群体，并不表示仅凭群体身份即可使申请人符合条件——其余资格规则仍然适用。

Closing Cost Assistance Program (Baranof Island Housing Authority)服务于在Sitka，Alaska购房的购房者。

Closing Cost Assistance Program (Baranof Island Housing Authority)的申请通过Baranof Island Housing Authority (BIHA)办理，该机构在其网站上公布现行条款和申请步骤。 资金通过First come, first serve once approved and a good faith estimate is issued预留。 Hey Prescott不是贷款机构，也不受理申请；本页介绍该项目，方便购房者向贷款机构或住房咨询师咨询。