CrossCountry Mortgage Smart Start Down Payment Assistance Program

CrossCountry Mortgage Smart Start Down Payment Assistance Program是面向Statewide，California购房者的可免除贷款。 Forgivable lender-funded second mortgage. 5-year forgiveness term. Combines with conventional first mortgage. Up to $4,000 forgivable second mortgage (forgiven over 5 years) for first-time homebuyers in underserved communities. Lender-funded SPCP. 这是一个全国项目，适用范围不限于单个州或城市。 资金来自CrossCountry Mortgage。

CrossCountry Mortgage Smart Start Down Payment Assistance Program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 or refinance within 5 years (otherwise forgiven)。 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。

CrossCountry Mortgage Smart Start Down Payment 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。 “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Required - HUD-approved提供。 Sourced via Homebuyer Wallet (NT20250027). Restricted to LMI borrowers (<= 80% AMI) or properties in majority-Black/Hispanic census tracts. Forgiven over 5 years of owner-occupancy.

CrossCountry Mortgage Smart Start Down Payment Assistance Program的收入限制如下：At or below 80% AMI; or property in majority-Black/Hispanic census tract。 At or below 80% AMI; or property in majority-Black/Hispanic census tract. 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。

CrossCountry Mortgage Smart Start Down Payment Assistance Program可用于Single-family, Condo, Townhouse。

CrossCountry Mortgage Smart Start Down Payment Assistance Program是全国项目，因此不限于某一个州。 该项目针对特定区域：Majority-Black or majority-Hispanic census tracts。

CrossCountry Mortgage Smart Start Down Payment Assistance Program的申请通过管理该项目的机构办理。 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。