ECLF Down Payment Assistance Program (Amortized Loan)

ECLF Down Payment Assistance Program (Amortized Loan)是面向Statewide，Colorado购房者的补助金。 The ECLF Amortized Loan is the Eagle County Loan Fund's product for buyers using FHA financing. It funds up to 5% of purchase price (capped near $42,500 because the program's max purchase price is $850,000) as a 15-year amortizing 2nd mortgage at 2.5% simple interest, repaid monthly in lockstep with the first mortgage. Loans paid in full within the first 24 months receive a credit for all interest paid. ECLF is funded jointly by Eagle County and the Vail Board of Realtors and administered by The Valley Home Store; loans are originated through the Eagle County Housing & Development Authority. Up to 5% of purchase price (capped near $42,500 against the $850,000 maximum) as a fully amortizing 15-year 2nd mortgage at 2.5% simple interest, used for down payment and closing costs on FHA first mortgages. Loans paid in full within the first 24 months receive a credit for all interest paid. Borrower must contribute at least 50% of the loan amount with a minimum of $3,000. 资金来自Local Government和Realtor Contribution。

ECLF Down Payment Assistance Program (Amortized Loan)提供最高$42,500的援助。 购房者自付部分：Buyer must invest at least 50% of the ECLF loan amount, with a minimum of $3,000 of borrower's 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。

ECLF Down Payment Assistance Program (Amortized Loan)属于补助金，因此无需偿还。 触发还款的情形：Monthly amortization over 15 years和full repayment due on 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。

ECLF Down Payment Assistance Program (Amortized Loan)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：Per FHA first-mortgage underwriting; ECLF does not publish a separate minimum。 须参加购房者教育课程，由The Valley Home Store; Eagle County Housing & Development Authority提供。 居住要求：Property must be in Eagle County and owner-occupied as primary residence。 公民身份或移民身份：U.S. citizen or eligible non-citizen (per FHA requirements)。 First mortgage must be FHA. Borrower contributes at least 50% of the loan amount (minimum $3,000). Property must be owner-occupied as primary residence in Eagle County. Maximum purchase price $850,000. Pre-purchase counseling through The Valley Home Store and Eagle County Housing & Development Authority required. Loans paid off within 24 months receive a refund of all interest paid. Stackable with Good Deeds Avon and Good Deeds Vail buy-down programs on properties at or below $850,000.

ECLF Down Payment Assistance Program (Amortized Loan)的收入限制如下：No published household income cap on the ECLF Amortized Loan; eligibility is driven by purchase-price cap of $850,000 and FHA first-mortgage qualifying。 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。

ECLF Down Payment Assistance Program (Amortized Loan)将房价上限设为$850,000。 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。

ECLF Down Payment Assistance Program (Amortized Loan)服务于在Statewide，Colorado购房的购房者。

ECLF Down Payment Assistance Program (Amortized Loan)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 The Valley Home Store / Housing Eagle County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。