Arkansas Dream Downpayment Initiative (ADDI)

Arkansas Dream Downpayment Initiative (ADDI)是面向Arkansas购房者的可免除贷款，由Arkansas Development Finance Authority (ADFA)管理。 The Arkansas Dream Downpayment Initiative (ADDI) is an ADFA program that helps qualifying low-income, first-time homebuyers with a forgivable soft second mortgage of up to 10% of the sale price, not to exceed $10,000. Funds cover some or all of the down payment, closing costs, and prepaid items. The loan is forgiven in equal annual installments over a 5-year affordability period as long as the homebuyer continues to own and occupy the home. Up to $10,000 forgivable assistance. 0% interest soft second. No monthly payment. Forgiven over 5 years. Covers down payment and closing costs. 资金来自HOME Investment Partnerships Program (HUD) / American Dream Downpayment Initiative funds administered by ADFA。

Arkansas Dream Downpayment Initiative (ADDI)提供最高$10,000的援助。 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Arkansas Development Finance Authority (ADFA)决定。

Arkansas Dream Downpayment Initiative (ADDI)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：Sale, transfer, refinance, or loss of owner-occupancy before the 5-year affordability period ends triggers repayment of the unforgiven balance。 该援助以second_mortgage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。

Arkansas Dream Downpayment Initiative (ADDI)面向首次购房者和将房屋作为主要住所自住的购房者。 “首次购房者”通常指过去三年内未拥有房屋，但该项目有自己的定义。 须参加购房者教育课程，由At least 8 hours of homebuyer counseling class (HUD-certified counseling agencies, e.g., Crawford-Sebastian Homeownership Center, In Affordable Housing)提供。 ADDI is distinct from ADFA's standard 'Down Payment Assistance (DPA)' second-mortgage product (which is tied to StartSmart/Move-Up first mortgages and amortizes over 10 years up to $15,000). ADDI is a separate HOME/ADDI-funded forgivable second for FIRST-TIME buyers up to $10,000. Confirm current funding availability and exact income limits with ADFA before publishing borrower-facing values.

Arkansas Dream Downpayment Initiative (ADDI)的收入限制如下：Annual household income must fall within set limits based on county where property is located and household size (low-income limits); not confirmed to a single %AMI on official source - left blank to avoid guessing。 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。

Arkansas Dream Downpayment Initiative (ADDI)可用于single_family。

Arkansas Dream Downpayment Initiative (ADDI)服务于在Arkansas任何地方购房的购房者。

Arkansas Dream Downpayment Initiative (ADDI)的申请通过Arkansas Development Finance Authority (ADFA)办理，该机构在其网站上公布现行条款和申请步骤。 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。