HIP Subordinate Deed of Trust

HIP Subordinate Deed of Trust是面向Washington，District of Columbia购房者的可免除贷款，由District of Columbia Housing Finance Agency (DCHFA)管理。 The HIP Subordinate Deed of Trust (HIP) provides eligible first-time and repeat homebuyers up to $20,000 in fully forgivable financing for down payment and closing cost assistance, secured by a subordinate deed of trust. It is available only when purchasing a workforce unit in Housing Investment Platform for-sale projects supported by DCHFA's investment in affordable homeownership in collaboration with emerging developers. Up to $20,000 in fully forgivable down payment and closing cost financing that reduces the amount needed for a first trust mortgage.

HIP Subordinate Deed of Trust提供最高$20,000的援助。 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District of Columbia Housing Finance Agency (DCHFA)决定。

HIP Subordinate Deed of Trust在5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：Sale or transfer (including gift), property ceasing to be borrower's primary residence, or refinance of the first trust mortgage within five years of closing; on sale within the initial five-year period, equity proceeds are shared between borrower and DCHFA per a distribution schedule. 该援助以subordinate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。

HIP Subordinate Deed of Trust面向将房屋作为主要住所自住的购房者。 Only available when purchasing a designated workforce unit in a DCHFA Housing Investment Platform (HIP) for-sale project. Forgivable financing is lost (becomes due) if within five years the property is sold or transferred (including by gift), is no longer the borrower's primary residence, or the first trust mortgage is refinanced. If the property is sold within the initial five-year period, equity proceeds are split between borrower and DCHFA per a distribution schedule provided at closing (shared-appreciation feature on early sale). Borrower must have secured primary financing evidenced by a First Deed of Trust Note. Open to both DC residents and non-residents. Income is based on BORROWER's income only (not household).

HIP Subordinate Deed of Trust将家庭收入限制在地区收入中位数的170%，该数值因县和家庭人数而异。 Maximum borrower income may not exceed 170% of Area Median Income (AMI), with a maximum income of $275,400. Income is based on borrower income only. 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。

HIP Subordinate Deed of Trust服务于在Washington，District of Columbia购房的购房者。

HIP Subordinate Deed of Trust的申请通过District of Columbia Housing Finance Agency (DCHFA)办理，该机构在其网站上公布现行条款和申请步骤。 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。