Metro DPA Downpayment Assistance

Metro DPA Downpayment Assistance是面向Metro，Colorado购房者的可免除贷款。 Metro DPA is a multi-county down payment assistance program administered by the City and County of Denver's Department of Housing Stability (HOST) on behalf of a 20-county Front Range and mountain region of Colorado. It provides up to 5% of the first-mortgage loan amount in down payment and closing-cost assistance, paired with a competitive 30-year fixed-rate first mortgage. Buyers may select either a 3-year forgivable second loan or a deferred silent second. Down payment and closing-cost assistance up to 5% of the total first-mortgage loan amount. Buyer can choose between a 3-year forgivable second loan (no monthly payments, forgiven in 36 months while owner-occupied) or a deferred (silent) second loan that is repaid only on sale, refinance, or transfer. Layered with a competitive 30-year fixed-rate first mortgage. 资金来自Local Government、Bond Proceeds和MBS Premium。

Metro DPA Downpayment Assistance在3年后免除，因此住满这段时间的购房者无需偿还。 触发还款的情形：Forgivable option: forgiven after 36 months while owner-occupied. Deferred option: due on sale, refinance, transfer, 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。

Metro DPA Downpayment Assistance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：640 minimum representative FICO; alternative credit allowed with HUD counseling。 须参加购房者教育课程，由HUD-approved counseling agency — required only when all borrowers have credit scores below 640 or no credit score; delivered online or in-person提供。 居住要求：Property must be a primary residence located within the 20-county Metro DPA service area in Colorado。 公民身份或移民身份：U.S. citizen or eligible non-citizen permitted by underlying first-mortgage product。 Borrower(s) must occupy the property as a primary residence. Maximum qualifying income $195,600 regardless of household size or county (program-wide cap, not AMI-based). Minimum FICO 640 (or alternative credit with HUD-approved counseling). Maximum DTI 50% (Conventional/FHA/VA) or 45% (USDA). Cannot be combined with other DPA. First mortgage must be originated through a Metro DPA participating lender using the Metro DPA-approved 30-year fixed product. Buyer must complete homebuyer education for FHA loans and for any borrower below 640 FICO. Properties anywhere in the program's 20-county service area qualify. Subordination of the second mortgage is not permitted.

Metro DPA Downpayment Assistance将家庭收入限制在$195,600。 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。

Metro DPA Downpayment Assistance的房价上限如下：No published maximum purchase price (governed by FHA/VA/USDA/Conventional loan-limit ceilings of the first mortgage)。 符合条件的房屋类型包括Single-family detached、Townhome、Condominium、2-unit (FHA only, owner-occupied)和Manufactured (FHA, real-property only)。 新建房屋符合条件。 预制房屋符合条件。

Metro DPA Downpayment Assistance服务于在Metro，Colorado购房的购房者。

Metro DPA Downpayment Assistance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Lender reserves funds through Metro DPA portal at time of first-mortgage lock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。