SLVHC Down Payment Assistance Program

SLVHC Down Payment Assistance Program是面向Multiple (Alamosa, Conejos, Costilla, Mineral, Rio Grande, Saguache)县，Colorado购房者的延期第二贷款。 The San Luis Valley Housing Coalition Down Payment Assistance Program (general track) is the standard SLVHC DPA offering for income-qualified homebuyers in the six-county San Luis Valley region. Funded through Housing Development Grant (HDG) funds from the Colorado Division of Housing, the program provides a low-interest amortizing second-mortgage loan to cover down payment and closing costs on a primary-residence home purchase. Loans carry a fixed 0-2% interest rate (with broader 1-5% range cited on the SLVHC About Us page across program tiers), are amortized over 5 years or longer based on affordability, and are secured by a Deed of Trust. Buyers contribute as little as $1,000 of their own funds. Loan amounts vary up to $19,500 depending on purchase price. Monthly payments deposit into a Revolving Loan Fund. Borrowers must complete the CRHDC First Time Home Buyers class. SLVHC has expanded its DPA income limits to up to 120% AMI as of July 2025; the lower-tier income range ($79,126-$122,100) reported on DPA One reflects the prior 100% AMI eligibility tier. Low-interest amortizing loan (0% to 2% fixed. range up to 5% per About Us page) for the down payment and closing costs on a primary-residence home purchase in the San Luis Valley. Loan amount up to $19,500. Borrower contribution as low as $1,000 of buyer's own funds. Loans amortized over 5 years or longer based on affordability. Secured by Deed of Trust against the home. Monthly payments deposited into a Revolving Loan Fund. 资金来自State、HDG (Colorado Division of Housing Housing Development Grant)和Revolving Loan Fund。

SLVHC 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：Monthly amortizing payments per loan note、secured by Deed of Trust against the home和balance due at sale, refinance, or transfer。 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。

SLVHC 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：Not separately published; subject to underlying first-mortgage lender requirements。 须参加购房者教育课程，由Community Resources and Housing Development Corporation (CRHDC) — First Time Home Buyer class, free first Saturday each month (call 589-1680) or online for a fee at https://crhdc.org/提供。 居住要求：Property must be located in the San Luis Valley (Alamosa, Conejos, Costilla, Mineral, Rio Grande, or Saguache County, Colorado) and used as borrower's primary residence。 Property must be borrower's primary residence post-purchase. Borrower must have permanent first-mortgage financing through a lending institution. Borrower must complete the CRHDC 'First Time Home Buyers' class (free monthly in-person or paid online). Loan secured by Deed of Trust. Minimum $1,000 of borrower's own funds toward down payment. Income reviewed annually.

SLVHC Down Payment Assistance Program将家庭收入限制在地区收入中位数的100%，该数值因县和家庭人数而异。 DPA One profile reports income range of $79,126 (1-person, low end) to $122,100 (5-person upper limit, ~100% AMI tier). Current published SLVHC limits as of July 2025 (now extended to 120% AMI) are: 1 person $85,680; 2 persons $97,920; 3 persons $110,160; 4 persons $122,400; 5 persons $132,240. Income limits are updated annually; contact SLVHC for current figures. 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。

SLVHC Down Payment Assistance Program的房价上限如下：Loan amount tied to purchase price of the home; SLVHC DPA loan up to $19,500 maximum。 符合条件的房屋类型包括Single-family detached、Townhome和Condominium (warrantable, per first-mortgage overlays)。 新建房屋符合条件。

SLVHC Down Payment Assistance Program服务于在Multiple (Alamosa, Conejos, Costilla, Mineral, Rio Grande, Saguache)县，Colorado购房的购房者。

SLVHC 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 to SLVHC; intake handled by DPA Loan Specialist (Jo Manzanares, dpa@slvhc.com)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。