HomeAdvantage DC

HomeAdvantage DC是面向Washington，District of Columbia购房者的第二抵押贷款，由District of Columbia Housing Finance Agency (DCHFA)管理。 HomeAdvantage DC is a DCHFA homeownership program offering eligible buyers below-market first mortgage financing through federally-backed Mortgage Revenue Bond (MRB) financing, with flexible options that include down payment assistance. Buyers choose among three financing structures: a standard first mortgage with no DPA, a conventional loan with up to 3% DPA, or an FHA/VA loan with up to 3.5% DPA. 30-year fixed-rate first mortgage at below-market rates with optional down payment assistance of up to 3% (conventional) or up to 3.5% (FHA/VA) of the loan/purchase price.

HomeAdvantage DC按项目规定，提供相当于房价3.5%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。

HomeAdvantage DC是第二抵押贷款，按District of Columbia Housing Finance Agency (DCHFA)设定的条款偿还。 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。

HomeAdvantage DC面向首次购房者和将房屋作为主要住所自住的购房者。 “首次购房者”通常指过去三年内未拥有房屋，但该项目有自己的定义。 该项目列出的最低信用分数为640。 须参加购房者教育课程。 DPA amount/structure depends on loan type (Option 2 conventional up to 3%; Option 3 FHA/VA up to 3.5%). Income is based on total HOUSEHOLD income of all occupants 18+, not borrower income only, and must fall within MRB income limits by household size/occupancy. First-time homebuyer required except for purchases in targeted areas. Homebuyer education may be required. Must register and attend DCHFA's two-part monthly Homebuyers webinar and work with an approved DCHFA participating lender. The DPA lien structure/terms are not fully specified on the official program page; confirm with DCHFA/lender. Purchase price limits cited are federal MRB limits effective as of the page's last update (2026-05-28).

HomeAdvantage DC的收入限制如下：Household income must fall within Mortgage Revenue Bond (MRB) income limits, based on household size and occupancy; income counts all occupants 18 and older. 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。

HomeAdvantage DC将房价上限设为$1.3M。

HomeAdvantage DC服务于在Washington，District of Columbia购房的购房者。 该项目优先考虑指定的目标区域，因此除了县以外，具体地址也很重要。

HomeAdvantage DC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。