CalHFA MyHome Assistance Program

CalHFA MyHome Assistance Program是面向California购房者的延期第二贷款。 CalHFA MyHome Assistance Program provides a deferred-payment junior loan of up to 3.5% of the purchase price or appraised value to help first-time homebuyers in California with down payment and/or closing costs. No monthly payments; repayment deferred until sale, refinance, or payoff of first mortgage. Up to 3.5% of purchase price or appraised value (FHA) or 3% (conventional) as a deferred-payment junior loan. no monthly payments. 0% simple interest. available statewide in California. compatible with CalHFA first mortgage programs. helps cover down payment and/or closing costs. 资金来自State。

CalHFA MyHome Assistance Program按项目规定，提供相当于房价3.5%的援助。 该项目可与其他援助结合使用，但须遵守各项目的规定。 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管理该项目的机构决定。

CalHFA MyHome Assistance Program为延期还款，在房屋出售、再融资或第一抵押贷款还清之前无需付款。 触发还款的情形：Sale、Refinance和Maturity Date。 该援助以2nd 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。

CalHFA MyHome Assistance Program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：Must not have owned a home in the past 3 years; exceptions for single parents and displaced homemakers。 该项目列出的最低信用分数为660。 须参加购房者教育课程，由HUD-approved homebuyer education required; CalHFA-approved counseling agencies including eHome America and Framework提供。 居住要求：State Resident。 公民身份或移民身份：U.S. Citizen or Permanent Resident。 Must complete CalHFA-approved homebuyer education course (required); must use a CalHFA-approved first mortgage program.

CalHFA MyHome Assistance Program将家庭收入限制在地区收入中位数的120%，该数值因县和家庭人数而异。 Income limits vary by county and household size; based on CalHFA county-specific AMI limits. Contact a CalHFA-approved lender for exact limits by county. 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。

CalHFA MyHome Assistance Program将房价上限设为$765,000。 符合条件的房屋类型包括Single Family、Condo、Townhouse和Manufactured Home。 预制房屋符合条件。

CalHFA MyHome Assistance Program服务于在California任何地方购房的购房者。

CalHFA MyHome Assistance Program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First-Come-First-Served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。