ADFA Down Payment Assistance (DPA)

ADFA Down Payment Assistance (DPA)是面向Statewide，Arkansas购房者的补助金。 ADFA's Down Payment Assistance (DPA) is a 10-year second mortgage paired with an ADFA StartSmart or ADFA Move-Up first mortgage. The DPA ranges from $1,000 to $15,000 to cover down payment and closing costs. The second-lien interest rate matches the first mortgage rate and the loan is fully amortizing over 10 years. Cash back is allowed for items paid outside of closing. Down payment and closing cost assistance from $1,000 to $15,000 paired with ADFA StartSmart or Move-Up first mortgage. Cash back to borrowers for expenses paid outside of closing (POC) is allowed. 资金来自State和Bond。

ADFA Down Payment Assistance (DPA)属于补助金，因此无需偿还。 触发还款的情形：Monthly amortizing payments over 10-year term和balance due at sale, refinance, or transfer。 该援助以2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。

ADFA Down Payment Assistance (DPA)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 FICO。 居住要求：Property must be located in Arkansas and used as borrower's primary residence。 公民身份或移民身份：U.S. citizen or qualified permanent resident alien per first-mortgage product overlays。 Must be paired with an ADFA StartSmart or ADFA Move-Up first mortgage; primary residence only; minimum 640 FICO; lender-driven origination.

ADFA Down Payment Assistance (DPA)将家庭收入限制在$142,000。 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。

ADFA Down Payment Assistance (DPA)将房价上限设为$806,500。 符合条件的房屋类型包括Single-family detached、Townhome、Condominium (warrantable)和2-4 unit (per first-mortgage product)。 新建房屋符合条件。 预制房屋符合条件。

ADFA Down Payment Assistance (DPA)服务于在Statewide，Arkansas购房的购房者。 该项目针对特定区域：HUD/IRS-designated targeted areas across Arkansas allow waiver of first-time-homebuyer requirement and offer higher income/purchase price limits under the bond program。

ADFA Down Payment Assistance (DPA)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Lender reservation through ADFA's loan reservation system (eHousingPlus / ADFA online portal)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。