CHFA Down Payment Assistance Grant

CHFA Down Payment Assistance Grant是面向Statewide，Colorado购房者的补助金。 CHFA's Down Payment Assistance Grant provides up to 3 percent of the CHFA first mortgage loan amount as a non-repayable grant to assist with down payment, closing costs, and prepaids. The grant is paired with a CHFA first mortgage and does not require repayment as long as program rules are followed. Note: CHFA's tax-exempt bond first-mortgage products are subject to a 9-year IRS Recapture Tax provision that may affect the borrower's tax liability if all three federal triggers (sale within 9 years, net gain, and household income above the federally-prescribed limit) are met. Non-repayable grant of up to 3% of the CHFA first mortgage loan amount (capped at $25,000 in practice for most products) to assist with down payment, closing costs, and prepaids. No retention period for the grant component (grant is fully forgiven at closing). 资金来自State和Bond。

CHFA Down Payment Assistance Grant属于补助金，因此无需偿还。 触发还款的情形：None — grant is non-repayable. (Underlying CHFA bond first mortgage may carry IRS recapture tax if home is sold within 9 years with net gain and income above federal threshold.)。 该援助以0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。

CHFA Down Payment Assistance Grant面向将房屋作为主要住所自住的购房者。 关于信用，该项目说明：620 minimum FICO for FHA/VA/USDA; 660 for Conventional。 须参加购房者教育课程，由CHFA-sponsored homebuyer education (online via eHomeAmerica or Framework, or in-person via CHFA-approved housing counseling agencies). At least one borrower must complete a CHFA-approved homebuyer education class prior to closing.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, permanent resident alien, or qualified non-permanent resident alien per first-mortgage product overlays。 Must be paired with an eligible CHFA first mortgage (CHFA Preferred, CHFA Preferred Plus, CHFA SmartStep, CHFA SmartStep Plus, CHFA FirstStep, CHFA FirstStep Plus, or CHFA HomeAccess). Borrower must have minimum mid-FICO of 620 (Government/USDA) or 660 (Conventional). Maximum DTI 50%. At least one borrower must complete CHFA homebuyer education. Borrower minimum cash contribution of $1,000 from own funds.

CHFA Down Payment Assistance Grant将家庭收入限制在$174,440。 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。

CHFA Down Payment Assistance Grant将房价上限设为$806,500。 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。

CHFA Down Payment Assistance Grant服务于在Statewide，Colorado购房的购房者。 该项目针对特定区域：IRS-designated targeted areas in Colorado allow waiver of first-time-homebuyer requirement (where applicable) and offer higher income/purchase-price limits under the bond program。

CHFA Down Payment Assistance Grant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Lender reservation through CHFA's HomeConnection loan reservation system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。