CalHFA ZIP Program

CalHFA ZIP Program是面向California购房者的可免除贷款。 CalHFA ZIP (Zero Interest Program) provides 2% or 3% of the first mortgage loan amount as a zero-interest forgivable loan for closing costs. Must be paired with a CalHFA first mortgage. Forgiven when first mortgage is paid in full; no monthly payments required. 2% or 3% of first mortgage loan amount for closing costs. 0% interest, zero monthly payments. forgiven when first mortgage is paid in full. must be paired with a CalHFA first mortgage. available statewide in California. 资金来自State。

CalHFA ZIP Program在30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、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 ZIP Program面向将房屋作为主要住所自住的购房者。 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; same requirement as paired CalHFA first mortgage提供。 居住要求：State Resident。 公民身份或移民身份：U.S. Citizen or Permanent Resident。 Must be paired with a CalHFA first mortgage; cannot be used as a standalone program. Eligibility requirements follow the paired CalHFA first mortgage program.

CalHFA ZIP Program将家庭收入限制在地区收入中位数的150%，该数值因县和家庭人数而异。 Income limits tied to paired CalHFA first mortgage program; must meet CalHFA county-specific income limits. No independent income limit for ZIP itself. 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 ZIP 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 ZIP Program服务于在California任何地方购房的购房者。

CalHFA ZIP 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。