Take5 Home Loan

Take5 Home Loan是面向Delaware购房者的延期第二贷款，由Delaware State Housing Authority (DSHA)管理。 Take5 is a DSHA down payment and closing cost assistance second loan equal to 5% of the first mortgage loan amount, offered under the Welcome Home (first-time homebuyer) program. It carries 0% interest with no monthly payment; repayment is deferred until refinance, sale, transfer of title, or the home ceasing to be the primary residence. Take5 is one of the two new DPA tiers launched with DSHA's April 2026 Delaware Mortgage Program rebrand. 5% of first mortgage as down payment/closing cost assistance. 0% interest, no monthly payment. Deferred repayment until sale/refinance/transfer/non-occupancy. Veterans and targeted-area buyers exempt from first-time requirement. Pairs with below-market DSHA first mortgage. 资金来自DSHA funds (table-funded at closing by DSHA)。

Take5 Home Loan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：Principal deferred (no monthly payment) and becomes repayable upon the earliest of: refinance, sale of home, transfer of title, the property is no longer the borrower's primary residence, or 30 years from the date of the mortgage note. 该援助以Second 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。

Take5 Home Loan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：Offered under the Welcome Home program (first-time homebuyers). Qualified Veterans and purchases in targeted-area census tracts are exempt from the first-time-homebuyer requirement. Not available under Open Door. 关于信用，该项目说明：Minimum FICO 620. Applicants with FICO 659 or below must complete homeownership education through a Delaware HUD-approved housing counseling agency. Manufactured homes: FHA min 660 / USDA min 640. Manual underwrite (FHA only) min 660 with max 43% DTI. 居住要求：Property must be located in Delaware and used as the borrower's primary residence. Welcome Home program only (first-time buyers, with veteran/targeted-area exceptions); not offered under Open Door. Must be paired with a DSHA first mortgage. Borrower may use only one DPA second loan program. DTI, max household size, max liquid assets, min contribution, new-construction eligibility, HOA, and acreage limits not specified on official sources reviewed (governed by AUS and Master Servicer/agency product guidelines). Exact Take5-specific term sheet/addendum not yet published separately; details confirmed from the DSHA Homeownership Loans page and April 2026 rebrand press release.

Take5 Home Loan的收入限制如下：Welcome Home limits (by household size): New Castle County $119,400 (1-2 person) / $137,310 (3+ person); Kent & Sussex $108,800 (1-2) / $125,120 (3+). Targeted-area Welcome Home limits: New Castle $143,280 / $167,160; Kent & Sussex $130,560 / $152,320. Income counted for those on the note and/or mortgage only. 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。

Take5 Home Loan将房价上限设为$617,241。 符合条件的房屋类型包括Single-family detached、Townhouse/row house/patio home (attached)、1-4 unit dwellings、Condominium和Manufactured home (FHA or USDA financing only)。 预制房屋符合条件。

Take5 Home Loan在其服务群体中提到了退伍军人。 在此列出仅表示项目提到了该群体，并不表示仅凭群体身份即可使申请人符合条件——其余资格规则仍然适用。

Take5 Home Loan服务于在Delaware任何地方购房的购房者。 该项目针对特定区域：Federally designated targeted-area census tracts qualify for higher income and purchase-price limits and waive the first-time-homebuyer requirement. Tracts: New Castle 0006.02, 0019.02, 0021.00, 0023.00, 0029.00, 0030.02; Kent 0425.00; Sussex 0505.03, 0507.11. 目标社区：Census tracts: New Castle 0006.02, 0019.02, 0021.00, 0023.00, 0029.00, 0030.02; Kent 0425.00; Sussex 0505.03, 0507.11。

Take5 Home Loan的申请通过Delaware State Housing Authority (DSHA)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First-come, first-served via DSHA Mitas online reservation system (https://mitas.destatehousing.com); reservable Mon-Fri 10:00 AM-5:30 PM DE time. 60-day reservation/rate-lock period.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。