Home$tart Grant (Cook Inlet Lending Center)

Home$tart Grant (Cook Inlet Lending Center)是面向Anchorage，Alaska购房者的补助金。 The Home$tart Grant is a $15,000 down payment and closing cost grant from the Federal Home Loan Bank of Des Moines Affordable Housing Program (AHP), administered locally in Alaska by Cook Inlet Lending Center. Open to first-time homebuyers (regardless of Native status) at or below 80% HUD AMI. Funds may be used for down payment, closing costs, and prepaid expenses. The grant carries a 5-year owner-occupancy retention period; pro-rata repayment is owed if the home is sold or vacated early. $15,000 grant (per household) usable for down payment, closing costs, and prepaid expenses on a home purchase. True grant — no monthly payment and no repayment required if borrower satisfies the 5-year owner-occupancy retention period. Funded by FHLB Des Moines Affordable Housing Program (AHP) and locally administered by Cook Inlet Lending Center. 资金来自FHLB、Federal和FHLB Des Moines Affordable Housing Program。

Home$tart Grant (Cook Inlet Lending Center)属于补助金，因此无需偿还。 触发还款的情形：Pro-rata repayment if borrower sells or vacates the home within 5 years (FHLB Des Moines AHP retention)。 该援助以Grant — no lien (or subordinate retention agreement / 5-year deed restriction)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。

Home$tart Grant (Cook Inlet Lending Center)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：None — first-time homebuyer required。 关于信用，该项目说明：No CILC-published minimum; first mortgage credit standards apply。 须参加购房者教育课程，由HUD-approved homebuyer education provider (in-person or virtual)提供。 居住要求：Property must be in Alaska; primary residence only。 公民身份或移民身份：U.S. citizen or eligible non-citizen (per primary mortgage standards)。 5-year retention period: borrower must owner-occupy the subject property for 5 years. If sold or vacated before the 5-year mark, a pro-rata portion of the grant must be repaid (standard FHLB Des Moines AHP recapture). Must have an active first mortgage application in process with CILC. Limited to one grant per household. Limited to 1-4 unit properties. FHLB grants run on annual cycles and may close mid-year when funds are exhausted; verify availability before reserving.

Home$tart Grant (Cook Inlet Lending Center)将家庭收入限制在地区收入中位数的80%，该数值因县和家庭人数而异。 Household income at or below 80% HUD AMI by household size. Two tiers — Statewide Alaska (1-person $64,050 to 8-person $120,750) and Anchorage (1-person $72,250 to 8-person $136,250). Effective April 1, 2025. 该限制适用于家庭总收入，而不仅是借款人的收入。 该项目列出的最大家庭人数为8。 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。

Home$tart Grant (Cook Inlet Lending Center)的房价上限如下：No stated maximum。 符合条件的房屋类型包括1-4 unit (single-family, duplex, triplex, fourplex, condo, PUD, townhome)。 新建房屋符合条件。 预制房屋符合条件。

Home$tart Grant (Cook Inlet Lending Center)服务于在Anchorage，Alaska购房的购房者。

Home$tart Grant (Cook Inlet Lending Center)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Reservations made through CILC against FHLB Des Moines annual allocation; first-come, first-served; subject to fund availability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。