Down Payment Assistance Program

Down Payment Assistance Program是面向Statewide，Colorado购房者的延期第二贷款。 Garfield County Housing Authority's interest-free deferred-payment Down Payment Assistance loan for low-to-moderate-income (80%-120% AMI) Garfield County workforce buyers. Loan funds up to 3% of purchase price (capped at $15,000) and may be used for down payment and closing costs. Repayment is deferred until sale, refinance, transfer, or loss of owner-occupancy. Funded primarily by Garfield County and revolving DPA loan repayments; layers with CHFA, CHAC, and the local Garfield County Community Housing Program deed-restricted inventory. Interest-free down payment assistance loan equal to up to 3% of purchase price (capped at $15,000). Funds may be used for down payment and closing costs. No monthly payments — loan is deferred and repaid upon sale, refinance, transfer, or loss of owner-occupancy. 资金来自Local Government和Revolving Loan Repayments。

Down Payment Assistance Program按项目规定，提供相当于房价3%的援助。 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。

Down Payment Assistance 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：Sale, transfer, refinance, or loss 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。

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。 关于信用，该项目说明：Per first-mortgage underwriting; GCHA does not publish a separate minimum。 须参加购房者教育课程，由Garfield County Housing Authority提供。 居住要求：Property must be in Garfield County (or unincorporated Eagle County within the Roaring Fork Valley per GCHA service area) and owner-occupied as primary residence。 公民身份或移民身份：U.S. citizen or eligible non-citizen (per first-mortgage requirements)。 Household income between approximately Category 1 (80% AMI) and Category 4 (120% AMI) per the Garfield County Community Housing Guidelines (4-person example $55,550 - $124,950 per LendSquawk seed data). First-time homebuyer (no ownership in past 3 years) preferred. Property must be a primary residence located in Garfield County or in unincorporated Eagle County within the Roaring Fork Valley (per GCHA service area). Mandatory homebuyer education with GCHA. Loan is interest-free and deferred until sale, refinance, transfer, or loss of owner-occupancy. The Housing Authority issued $77,400 in new DPA loans in 2024 — funding is finite and works first-come/first-served.

Down Payment Assistance 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。 Eligible household income approximately 80% AMI (Category 1) to 120% AMI (Category 4) per Garfield County Community Housing Program guidelines, scaled by household size — sample seed range $55,550 (1-person) to $124,950 (8-person). 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。

Down Payment Assistance Program的房价上限如下：No published maximum purchase price; price effectively limited by Garfield County Community Housing price tiers and AMI qualifying ratios。 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。

Down Payment Assistance Program服务于在Statewide，Colorado购房的购房者。

Down Payment Assistance 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 via Garfield County Housing Authority (Rifle office)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。