Turnkey Plus Downpayment Assistance

Turnkey Plus Downpayment Assistance是面向Statewide，Colorado购房者的可免除贷款。 Turnkey Plus is the El Paso County Housing Authority's down payment assistance program. It pairs a competitive 30-year fixed-rate first mortgage with a 3-year forgivable second of up to 4% (FHA/VA/USDA) or 5% (Conventional) of the loan amount. Pricing is tiered by FICO (640/660/680) so higher-credit borrowers receive better first-mortgage rates. Originally launched for El Paso County (Colorado Springs region) the program now offers statewide availability on Conventional, FHA, VA, and USDA loans. Down payment and closing-cost assistance up to 4% (Government FHA/VA/USDA) or 5% (Conventional) of the total first-mortgage loan amount, structured as a 3-year forgivable second mortgage. Combined with a competitive 30-year fixed-rate first mortgage. Multi-tier pricing based on credit score (640/660/680) lets higher-FICO borrowers receive better rates. 资金来自Local Government、Bond Proceeds和MBS Premium。

Turnkey Plus 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：Second loan is forgiven after 36 months of continuous owner-occupancy和otherwise 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。

Turnkey Plus 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 (Government/USDA); 660 for standard Conventional pricing; 680 for premier Conventional pricing tier。 须参加购房者教育课程，由HUD-approved counseling agency or online education through Framework / Money Management International (required for borrowers with FICO < 640 or no credit score)提供。 居住要求：Property must be a primary residence in El Paso County (priority) or anywhere in Colorado for Conventional tiers (statewide availability)。 公民身份或移民身份：U.S. citizen or eligible non-citizen permitted by first-mortgage product。 Borrower(s) must occupy property as primary residence. Maximum income depends on household size and county: $84,000 (1-person, low-rate tier) up to $160,300 (program cap). FICO 640 minimum (Government / USDA), 660+ for some Conventional tiers, 680+ for the lowest-rate Conventional tier. Maximum DTI 50% (Govt) / 45% (Conventional/USDA). First-mortgage product must be originated through a Turnkey Plus participating lender. Available across El Paso County and statewide on Conventional, FHA, VA, and USDA. Pre-purchase counseling required for any borrower below 640 or with no credit score. Cannot be combined with other DPAs.

Turnkey Plus Downpayment Assistance将家庭收入限制在$160,300。 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。

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

Turnkey Plus Downpayment Assistance服务于在Statewide，Colorado购房的购房者。

Turnkey Plus 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 Turnkey Plus 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。