Down Payment Settlement (DPS) Program

Down Payment Settlement (DPS) Program是面向New Castle县，Delaware购房者的延期第二贷款。 The New Castle County Down Payment Settlement (DPS) Program enables low- and moderate-income first-time homebuyers to purchase homes throughout New Castle County (excluding the City of Wilmington) by providing up to $10,000 in down payment and settlement/closing-cost assistance. Funded primarily through HUD HOME and/or CDBG, the assistance is structured as a 15-year, 0%-interest second mortgage with a 24-month payment deferral period followed by required monthly amortization. Down payment and settlement/closing-cost assistance up to $10,000, structured as a 0% interest 15-year second mortgage. The first 24 months are deferred (no payments). monthly principal payments begin in month 25. Maximum $10,000 loan amortizes to roughly $64.10 per month over the remaining term. Property purchase price capped at $460,000. Available throughout New Castle County (excluding the City of Wilmington, which administers its own First Start program). 资金来自Federal HOME、Federal CDBG和Local Government。

Down Payment Settlement (DPS) 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：First 24 months deferred (no payment). Monthly principal payments begin in month 25 and continue through the 15-year term. Outstanding balance becomes immediately due upon sale, transfer, refinance (cash-out), 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。

Down Payment Settlement (DPS) Program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：First-time homebuyer = no ownership in last 3 years; standard HUD displaced-homemaker / single-parent exceptions apply。 关于信用，该项目说明：No published NCC-specific minimum; first-mortgage product credit-score minimums apply。 须参加购房者教育课程，由HUD-approved housing counseling agency (e.g., NeighborGood Partners/NCALL, Interfaith Community Housing of Delaware); pre-purchase homeownership counseling required.提供。 居住要求：Property must be located within New Castle County, DE (outside the City of Wilmington), and serve as borrower's primary residence. 公民身份或移民身份：U.S. citizen or eligible non-citizen per first-mortgage product rules。 First-time homebuyer (no homeownership in prior 3 years). Household income may not exceed 80% of HUD area median income for New Castle County (range approximately $64,250 1-person to $121,150 8-person at 80% AMI under current HUD limits). Property must be located in New Castle County, DE, outside the City of Wilmington (which has its own First Start program), and serve as buyer's primary residence. Maximum purchase price $460,000. Borrower must contribute minimum $500 of own funds. Buyer must complete HUD-approved pre-purchase homebuyer counseling. Loan is 0% interest 15-year second mortgage with 24-month payment deferral; required monthly payments begin in month 25.

Down Payment Settlement (DPS) Program将家庭收入限制在地区收入中位数的80%，该数值因县和家庭人数而异。 Total household income may not exceed 80% of HUD area median income for the New Castle County, DE HUD income area, adjusted for household size. Approximate range: $64,250 (1-person) to $121,150 (8-person) at 80% AMI under current HUD limits. 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。

Down Payment Settlement (DPS) Program将房价上限设为$460,000。 符合条件的房屋类型包括Single-family detached、Townhome和Condominium。 新建房屋符合条件。 预制房屋不符合条件。

Down Payment Settlement (DPS) Program服务于在New Castle县，Delaware购房的购房者。

Down Payment Settlement (DPS) 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Application processed by NCC Department of Community Services in coordination with first-mortgage lender; funds awarded first-come, first-served subject to availability.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。