Larimer Home Ownership Program (LHOP) Down Payment Assistance Program

Larimer Home Ownership Program (LHOP) Down Payment Assistance Program是面向Larimer县，Colorado购房者的延期第二贷款。 The Larimer Home Ownership Program (LHOP) provides deferred down payment and closing-cost assistance to first-time homebuyers throughout Larimer County, Colorado. Up to $25,000 is offered as a 0% deferred junior loan with no monthly payments, due only on sale, refinance with cash-out, transfer, or loss of owner-occupancy. LHOP partners with the Estes Park Housing Authority to deliver the program to Estes Valley applicants. Deferred-payment 0% second mortgage of up to $25,000 for down payment and closing-cost assistance for first-time homebuyers in Larimer County. No monthly payments. loan is repaid in full upon sale, refinance with cash-out, transfer, or loss of owner-occupancy. 资金来自Local Government、HUD HOME、Larimer County和Cities of Fort Collins and Loveland。

Larimer Home Ownership Program (LHOP) 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, refinance with cash-out, transfer of title, 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。

Larimer Home Ownership Program (LHOP) 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。 此处的“首次”有例外情况：First-time homebuyer required (no ownership of primary residence in past 3 years); displaced-homemaker and single-parent exceptions allowed。 关于信用，该项目说明：Mortgage-eligible based on first-mortgage underwriting (no published LHOP minimum)。 须参加购房者教育课程，由LHOP HUD-approved counseling (in-person and online) — required for all borrowers提供。 居住要求：Property must be a primary residence located in Larimer 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 of a primary residence in the past 3 years; exceptions allowed for displaced homemakers or single parents). Household qualifying income at or below 80% of Larimer County AMI ($63,600 1-person up to $119,950 8-person, scaled by household size). Mandatory homebuyer education through LHOP. Property must be in Larimer County and used as the primary residence. Borrower must contribute a minimum of 1% of the purchase price from their own funds. LHOP records a deferred junior lien with no shared appreciation.

Larimer Home Ownership Program (LHOP) Down Payment Assistance Program将家庭收入限制在地区收入中位数的80%，该数值因县和家庭人数而异。 Household qualifying income at or below 80% of Larimer County AMI per HUD (approximately $63,600 1-person up to $119,950 8-person). 该限制适用于家庭总收入，而不仅是借款人的收入。 该项目列出的最大家庭人数为8。 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。

Larimer Home Ownership Program (LHOP) Down Payment Assistance Program的房价上限如下：Tied to FHA loan-limit for Larimer County or LHOP's published purchase-price ceiling。 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。

Larimer Home Ownership Program (LHOP) Down Payment Assistance Program服务于在Larimer县，Colorado购房的购房者。

Larimer Home Ownership Program (LHOP) 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Direct application through LHOP 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。