Closing Cost Assistance Program (CCAP)

Closing Cost Assistance Program (CCAP)是面向Statewide，Alaska购房者的补助金。 The AHFC Closing Cost Assistance Program (CCAP), governed by Section 5013 of the AHFC Sellers Guide, provides 3% or 4% of the initial mortgage principal balance (depending on loan type and credit score) to qualified Alaskan homebuyers using an AHFC FHA, VA, or USDA-RHS first mortgage. Assistance is wired by AHFC directly to the closing table as a non-repayable contribution and may be applied to down payment, closing costs (including reserves), or principal reduction. The product is a 30-year fixed-rate first mortgage for purchase transactions only. Income limits, acquisition cost limits, and first-time homebuyer requirements do not apply. Minimum 640 credit score and 45% maximum total DTI required. Up to 4% of the initial principal balance of an AHFC FHA, VA, or USDA-RHS first mortgage delivered as non-repayable assistance at closing for use as down payment, closing costs (including reserves), and/or principal reduction. Cash back to borrower is strictly prohibited. No income limits, acquisition cost limits, or first-time homebuyer requirement. Available with a 30-year fixed-rate AHFC first mortgage. 资金来自AHFC corporate funds delivered as Housing Finance Agency (HFA) closing assistance。

Closing Cost Assistance Program (CCAP)属于补助金，因此无需偿还。 触发还款的情形：None - assistance is non-repayable和cash back to borrower is strictly prohibited。 该援助以First (CCAP assistance is delivered as closing funds, not as a separate lien)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 (CCAP)面向将房屋作为主要住所自住的购房者。 关于信用，该项目说明：640 minimum (per Section 5013.02.A.9). For FHA: 640-659 receive 3% assistance; manually-underwritten FHA loans receive 3% regardless of score; FHA scores 660+ with automated approval receive 4%. VA and USDA-RHS receive 4% regardless of credit score (with 640 minimum). 居住要求：Borrower must be an Alaska resident; property must be in Alaska and owner-occupied as primary residence。 公民身份或移民身份：Per FHA/VA/USDA guidelines (U.S. citizen, permanent resident, or qualifying non-permanent resident)。 Purchase transactions only - refinance is not eligible. Borrower must be an Alaska resident, occupy property as primary residence, complete Form PUR-80 (Waiver and Release of Liability), Form UND-22 (no back child support), satisfactory home inspection, and underwriter certification of all criteria within 15 days of reservation. Funds wired to closing as 'Funds from HFA - Alaska Housing Finance Corporation' on HUD-1 line 204-209. 48-hour notice to AHFC required for wire (Form UND-15). Loan must be closed and delivered to servicer within 45 days of reservation; purchased within 70 days (one 30-day extension available, $375 fee).

Closing Cost Assistance Program (CCAP)的收入限制如下：No AHFC-specific income limits apply to CCAP. Underlying FHA, VA, or USDA-RHS guidelines apply (USDA-RHS has its own income limit). For reference, FY2025 Alaska Low Income Limits (effective May 12, 2025), 4-person household: Anchorage $129,000; Fairbanks North Star $114,900; Juneau $128,700; Mat-Su $120,600; Kenai Peninsula $114,300; Ketchikan Gateway $119,300; statewide low limit $114,300. 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 (CCAP)的房价上限如下：No AHFC acquisition cost limit (per Section 5013); FHA/VA/USDA loan limits apply via the underlying product。 符合条件的房屋类型包括Single-family (one-unit)和Condominium。 新建房屋符合条件。 预制房屋不符合条件。

Closing Cost Assistance Program (CCAP)服务于在Statewide，Alaska购房的购房者。

Closing Cost Assistance Program (CCAP)的申请通过管理该项目的机构办理，该机构在其网站上公布现行条款和申请步骤。 资金通过AHFC Lender Online reservation; underwriter certification within 15 days; close/deliver within 45 days; purchase within 70 days (one $375 30-day extension available)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。