ECLF Equity Share Down Payment Assistance Program

ECLF Equity Share Down Payment Assistance Program是面向Statewide，Colorado购房者的增值共享贷款。 The ECLF Equity Share product is the Eagle County Loan Fund's shared-appreciation DPA for buyers using conventional, VA, or USDA Rural Development first mortgages. ECLF funds up to 5% of purchase price (capped at the $850,000 max purchase price) as a no-monthly-payment 2nd lien. The loan is repaid at sale, refinance, transfer, end of the 30-year term, or upon loss of owner-occupancy as principal plus a proportional share of appreciation equal to the loan's percentage of original purchase price. 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 against the $850,000 maximum) as a no-monthly-payment shared-equity 2nd mortgage. Repayment is principal plus a proportionate share of appreciation equal to the loan's percentage of original purchase price (e.g., a loan equal to 3.5% of price means repaying 3.5% of the equity gain plus principal). Term 30 years or due upon sale, refinance, transfer, or loss of owner-occupancy. Loans repaid in full within the first 24 months pay only principal (no equity share). 资金来自Local Government和Realtor Contribution。

ECLF Equity Share Down Payment Assistance Program按项目规定，提供相当于房价5%的援助。 购房者自付部分：Buyer must contribute at least 1% of purchase price。 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 Equity Share Down Payment Assistance 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, transfer, refinance, end of 30-year term, or loss of owner-occupancy和repaid as principal plus pro-rata 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。

ECLF Equity Share Down Payment Assistance Program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 first-mortgage product underwriting (Conv/VA/USDA); 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 first-mortgage requirements)。 First mortgage must be conventional, VA, or USDA Rural Development. Borrower must contribute at least 1% of purchase price in own funds. 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 repaid in full within 24 months pay principal only and avoid the equity share. Stackable with Good Deeds Avon / Good Deeds Vail buy-down programs on properties at or below $850,000.

ECLF Equity Share Down Payment Assistance Program的收入限制如下：No published household income cap on the ECLF Equity Share Loan; eligibility is driven by the $850,000 purchase-price cap and 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 Equity Share Down Payment Assistance Program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 Equity Share Down Payment Assistance Program服务于在Statewide，Colorado购房的购房者。

ECLF Equity Share 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 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。