Douglas County Housing Partnership Down Payment Assistance (Shared Equity Program)

Douglas County Housing Partnership Down Payment Assistance (Shared Equity Program)是面向Douglas县，Colorado购房者的增值共享贷款。 The Douglas County Housing Partnership Shared Equity Down Payment Assistance Program provides up to $50,000 (or ~20% of purchase price) as a 0%-payment shared-appreciation second mortgage to first-time homebuyers purchasing in Douglas County. The buyer makes no monthly payments. When the home is sold, refinanced with cash-out, or transferred, DCHP recoups its original principal plus a proportional share of the home's appreciation. This product is designed for buyers who cannot support amortizing payments but accept sharing future appreciation in exchange for higher upfront assistance. Shared-appreciation second mortgage of up to $50,000 (or up to ~20% of purchase price, whichever is less) for down payment and closing-cost assistance. The buyer makes no monthly payments on the DCHP second. on sale, refinance with cash-out, or transfer DCHP recovers its principal plus a proportional share of the appreciation equal to the program's share of the original purchase price. 资金来自Local Government、Douglas County、HUD HOME和CDBG。

Douglas County Housing Partnership Down Payment Assistance (Shared Equity Program)按项目规定，提供相当于房价20%的援助。 购房者自付部分：Buyer must contribute at least 1% of purchase price from own funds。 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。

Douglas County Housing Partnership Down Payment Assistance (Shared Equity Program)是增值共享贷款，按管理该项目的机构设定的条款偿还。 触发还款的情形：Sale, refinance with cash-out, or transfer of title和on these triggers DCHP receives principal plus its proportional share of appreciation。 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。

Douglas County Housing Partnership Down Payment Assistance (Shared Equity 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 required (no ownership in primary residence past 3 years); displaced-homemaker exception allowed。 关于信用，该项目说明：Mortgage-eligible based on first-mortgage underwriting (no published DCHP minimum)。 须参加购房者教育课程，由HUD-approved homebuyer counseling agency (e.g., CHAC, mpowered, Brothers Redevelopment) — required for all borrowers提供。 居住要求：Property must be a primary residence located in Douglas County, Colorado。 公民身份或移民身份：U.S. citizen or eligible non-citizen permitted by first-mortgage product。 Borrower(s) must be first-time homebuyers (no ownership in primary residence past 3 years). Household qualifying income at or below 100%-120% of Douglas County AMI (approximately $66,300 1-person up to $124,950 larger households). Maximum purchase price $556,000. Mandatory pre-purchase counseling. Property must be located in Douglas County and used as primary residence. Borrower must contribute at least 1% of purchase price from own funds. DCHP records a shared-appreciation junior lien — at sale or cash-out refinance DCHP recoups its principal plus a percentage of the home's appreciation equal to the DPA's percentage of the original purchase price.

Douglas County Housing Partnership Down Payment Assistance (Shared Equity Program)将家庭收入限制在地区收入中位数的120%，该数值因县和家庭人数而异。 Household qualifying income approximately $66,300 (1-person, ~80% AMI) to $124,950 (8-person, ~120% AMI) for Douglas County per HUD income limits. 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。

Douglas County Housing Partnership Down Payment Assistance (Shared Equity Program)将房价上限设为$556,000。 符合条件的房屋类型包括Single-family detached、Townhome和Condominium。 新建房屋符合条件。 预制房屋不符合条件。

Douglas County Housing Partnership Down Payment Assistance (Shared Equity Program)服务于在Douglas县，Colorado购房的购房者。

Douglas County Housing Partnership Down Payment Assistance (Shared Equity 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Direct application to DCHP after pre-approval and counseling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。