Deferred Closing Costs Assistance Loan

Deferred Closing Costs Assistance Loan是面向Statewide，Hawaii购房者的延期第二贷款。 The Deferred Closing Costs Assistance Loan from HHOC Mortgage is a deferred 0% interest loan of up to $10,000 ($5,000 in Honolulu County) requiring $5,000 matched savings from the borrower. Funds may be used toward closing costs, including rate buy-down. No monthly payments; loan is deferred for 15 years or earlier upon sale, title change, cash-out refi/HELOC, or non-occupancy. Designed for low-income (up to 80% AMI) first-time homebuyers in Hawaii. Deferred closing-cost assistance loan with 0% interest and NO monthly payments. Funds may be used toward closing costs, including rate buy-down. Loan up to $10,000 (Honolulu County: up to $5,000) with required matched savings of $5,000 from the borrower. Deferred for 15 years or earlier upon sale, transfer of title, cash-out refinance, HELOC, or borrower no longer occupying property. Combinable with DPAL and Mortgage Booster. 资金来自Nonprofit、Foundation和Private。

Deferred Closing Costs Assistance Loan提供最高$10,000的援助。 购房者自付部分：Borrower must contribute $5,000 matched savings (4:1 match: $2,500 borrower contribution unlocks up to $10,000)。 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。

Deferred Closing Costs Assistance 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：Sale, transfer of title, cash-out refinance, HELOC, borrower ceases to occupy as primary residence, or end of 15-year deferral period。 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。

Deferred Closing Costs Assistance Loan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。 关于信用，该项目说明：Per first-mortgage product overlays (HHOC Mortgage typically requires mid-FICO of at least 640-700 depending on product)。 须参加购房者教育课程，由Hawaii HomeOwnership Center (HHOC) - approximately 9 hours of homebuyer education (live or online) plus one coaching session required提供。 居住要求：Property must be located in the State of Hawaii and used as borrower's primary residence; yearly occupancy affidavit required。 公民身份或移民身份：U.S. citizen or U.S. permanent resident (per first-mortgage product overlays)。 First-time homebuyer (no ownership of primary residence in past 3 years). Must complete HHOC homebuyer education (~9 hours) and a coaching session with the Hawaii HomeOwnership Center. HHOC Mortgage must originate the first mortgage. Borrower must contribute $5,000 in matched savings. Property must be primary residence; yearly occupancy affidavit required. Honolulu County borrowers eligible for up to $5,000 only; all other counties up to $10,000.

Deferred Closing Costs Assistance Loan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。 Household income up to 80% of HUD Area Median Income (AMI) for the county where the property is located. Honolulu County FY25 100% AMI = $129,300 4-person; 80% AMI ~ $103,400 4-person. 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。

Deferred Closing Costs Assistance Loan的房价上限如下：No published purchase price cap; subject to first-mortgage product limits。 符合条件的房屋类型包括Single-family detached, condominium, townhouse - principal residence only。 新建房屋符合条件。 预制房屋不符合条件。

Deferred Closing Costs Assistance Loan服务于在Statewide，Hawaii购房的购房者。

Deferred Closing Costs Assistance Loan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Funds reserved by HHOC Mortgage Loan Officer once borrower enters into a purchase contract. Funds may be limited; borrowers should communicate with HHOC Mortgage Loan Officer before submitting an offer.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。