CHAC Statewide Program - 5 Year Deferral

CHAC Statewide Program - 5 Year Deferral是面向Statewide，Colorado购房者的延期第二贷款。 CHAC's Statewide 5 Year Deferral program is a 30-year second-mortgage DPA loan from a nonprofit CDFI. The borrower pays no principal or interest for the first 5 years (full deferral at 0% interest). After the 5-year deferral period, the loan amortizes at 5% interest over the remaining term (typically 25 years). The loan is for first-time homebuyers earning at or below 80% AMI by household size and county. 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). 5-year deferral at 0% interest, then 5% interest amortized over remaining term of the 30-year loan. Borrower minimum cash contribution of $1,000. 资金来自Nonprofit、CDFI、HOME和Federal。

CHAC Statewide Program - 5 Year Deferral提供最高$10,000的援助。 该项目要求购房者自付$1,000 minimum borrower contribution (standard CHAC programs)。 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 Statewide Program - 5 Year Deferral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 Statewide Program - 5 Year Deferral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 (no ownership of principal residence in prior 3 years) with HUD HOME displaced-homemaker / single-parent exceptions。 关于信用，该项目说明：Subject to underlying first-mortgage lender requirements (typically 620+); CHAC does not publish a standalone CHAC FICO floor。 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 HUD HOME / CHAC program rules。 First-time homebuyer (no homeownership in prior 3 years) with household income at or below 80% AMI for Colorado statewide. Must complete CHFA/CHAC-approved homebuyer education prior to submitting an application. Application submitted by first mortgage lender. Borrower minimum contribution of $1,000 from own funds. Property must be primary residence within Colorado.

CHAC Statewide Program - 5 Year Deferral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。 Per CHAC Statewide Program Income Limits effective April 7, 2025: 1 person $48,750 / 2 person $55,700 / 3 person $62,650 / 4 person $69,600 / 5 person $75,200 / 6 person $80,750 / 7 person $86,350 / 8 person $91,900. Higher-balance counties scale up to approximately $124,950 (8-person in highest AMI counties). Limits set at 80% HUD AMI by county and household size. 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 Statewide Program - 5 Year Deferral的房价上限如下：Subject to underlying first-mortgage product purchase-price limits (FHA, VA, USDA, conventional); CHAC does not publish a separate standalone purchase-price cap. 符合条件的房屋类型包括Single-family detached、Townhome、Condominium (warrantable)、2-4 unit (per first-mortgage overlays)和Manufactured (real property, per product)。 新建房屋符合条件。 预制房屋符合条件。

CHAC Statewide Program - 5 Year Deferral服务于在Statewide，Colorado购房的购房者。

CHAC Statewide Program - 5 Year Deferral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。