CHFA Down Payment Assistance Program (DAP)

CHFA Down Payment Assistance Program (DAP)是面向Statewide，Connecticut购房者的补助金。 CHFA's Down Payment Assistance Program (DAP) is a low-interest second mortgage that helps first-time homebuyers cover down payment and closing costs when paired with a CHFA first mortgage. The DAP loan amount equals 4.00% of the lesser of sales price or appraised value (minimum $3,000), and the interest rate is set to match the first mortgage rate or 5.00%, whichever is less. The DAP is fully amortizing over the term of the first mortgage and is recorded as a second lien. Provides down payment and closing cost assistance as a second mortgage equal to 4.00% of the lesser of sales price or appraised value (minimum $3,000). Interest rate equals the first mortgage rate or 5.00% (5.10%-5.50% APR), whichever is less. Must be paired with a CHFA first mortgage. 资金来自State和Bond。

CHFA Down Payment Assistance Program (DAP)按项目规定，提供相当于房价4%的援助。 购房者自付部分：Borrower must contribute a minimum of $1,000 of their own funds toward the purchase。 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。

CHFA Down Payment Assistance Program (DAP)属于补助金，因此无需偿还。 触发还款的情形：Monthly amortizing payments alongside first mortgage和balance also due upon sale, refinance, or transfer of property。 该援助以2nd Lien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。

CHFA Down Payment Assistance Program (DAP)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：Borrowers purchasing in a federally designated targeted area, qualified veterans (per Heroes Earnings Assistance and Relief Tax Act), and CHFA special programs may be exempt from the first-time homebuyer (3-year) requirement。 关于信用，该项目说明：660 minimum FICO (may vary by first-mortgage product/insurer overlays)。 须参加购房者教育课程，由CHFA-approved Homebuyer Education / Pre-Purchase Counseling providers (HUD-approved housing counseling agencies)提供。 居住要求：Property must be the borrower's primary residence located in Connecticut。 公民身份或移民身份：U.S. citizen or qualified non-citizen (per CHFA first-mortgage requirements)。 Must qualify for and obtain a CHFA first mortgage from a CHFA-Participating Lender. Borrower must demonstrate ability to repay both the CHFA first mortgage and the DAP loan. Pre-purchase homebuyer education required. Lender may charge a $200 application fee. Minimum borrower contribution of $1,000 of own funds.

CHFA Down Payment Assistance Program (DAP)将家庭收入限制在$124,600。 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。

CHFA Down Payment Assistance Program (DAP)将房价上限设为$750,000。 符合条件的房屋类型包括1-4 unit owner-occupied, condominium, planned unit development (PUD), manufactured/mobile home (per CHFA program)。 新建房屋符合条件。 预制房屋符合条件。

CHFA Down Payment Assistance Program (DAP)服务于在Statewide，Connecticut购房的购房者。 该项目针对特定区域：Federally designated targeted areas (per IRC Section 143) in Connecticut receive higher income and sales price limits and waived first-time-homebuyer requirement. Includes census tracts in Bridgeport, Hartford, New Britain, New Haven, New London, Norwalk, Stamford, Waterbury, and other municipalities.

CHFA Down Payment Assistance Program (DAP)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Reserved by CHFA-Participating Lender at the time of first-mortgage reservation through CHFA's lender portal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。