CHAC Disability Program

CHAC Disability Program是面向Statewide，Colorado购房者的延期第二贷款。 CHAC's Disability Program is a population-restricted variant of CHAC's standard DPA second mortgage, available only to first-time homebuyer households where at least one household member has a documented permanent disability. The product structure mirrors the 5 Year Deferral product (0% interest deferred for the first 5 years, then 5% amortizing over the remaining term of a 30-year second mortgage), but with a reduced borrower minimum contribution of $750 (vs. the standard $1,000). Loan amounts range from $5,000 to $12,000, capped at 6% of the lesser of sales price or appraised value. Statewide DPA second mortgage of up to 6% of the lesser of sales price or appraised value, capped at $12,000 (range $5,000-$12,000) for households where at least one member has a documented permanent disability. Reduced borrower minimum contribution of $750 (vs. $1,000 standard). Repayment terms mirror CHAC's 5 Year Deferral structure (0% deferred for first 5 years, then 5% amortizing over remaining term). 资金来自Nonprofit和CDFI。

CHAC Disability Program按项目规定，提供相当于房价6%的援助。 该项目要求购房者自付$750 minimum borrower contribution (reduced from standard $1,000 in recognition of disability-affected household)。 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。

CHAC Disability 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：No payments for first 60 months. Beginning month 61, monthly principal-and-interest payments at 5% amortizing over remaining term. Full balance due at sale, refinance, transfer, or end of owner-occupancy. 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。

CHAC Disability 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：First-time homebuyer rule (no ownership of principal residence in prior 3 years), with HUD displaced-homemaker / single-parent exceptions。 关于信用，该项目说明：Subject to underlying first-mortgage lender requirements。 须参加购房者教育课程，由CHFA/CHAC-approved First Time Homebuyer education class required prior to application提供。 居住要求：Property must be located in Colorado and used as borrower's primary residence。 公民身份或移民身份：U.S. citizen or qualified non-citizen per CHAC program rules。 Population-restricted: at least one household member must have a documented permanent disability (per CHAC eligibility documentation). First-time homebuyer (no homeownership in prior 3 years). Household income within CHAC's published income limits (typically 80% AMI tier). Reduced borrower minimum contribution of $750. Must complete CHFA/CHAC-approved homebuyer education prior to application. Property must be primary residence within Colorado.

CHAC Disability Program将家庭收入限制在地区收入中位数的80%，该数值因县和家庭人数而异。 Income limits follow CHAC's standard published tiers (80% AMI by county and household size). Refer to the CHAC Income Limits PDF for full table. CHAC's Disability Program PDF fields are largely blank in the source intake — the program operates as the 5 Year Deferral structure with reduced borrower contribution and disability eligibility overlay. 该限制适用于家庭总收入，而不仅是借款人的收入。 该项目列出的最大家庭人数为8。 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。

CHAC Disability Program的房价上限如下：Subject to underlying first-mortgage product purchase-price limits。 符合条件的房屋类型包括Single-family detached、Townhome、Condominium (warrantable)和Manufactured (real property, per product)。 新建房屋符合条件。 预制房屋符合条件。

CHAC Disability Program在其服务群体中提到了残障购房者。 在此列出仅表示项目提到了该群体，并不表示仅凭群体身份即可使申请人符合条件——其余资格规则仍然适用。

CHAC Disability Program服务于在Statewide，Colorado购房的购房者。

CHAC Disability 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Application submitted by first-mortgage lender via CHAC's online portal after homebuyer education completion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。