Hale Kamaaina Mortgage Program - Down Payment Assistance (Second Mortgage Loan)

Hale Kamaaina Mortgage Program - Down Payment Assistance (Second Mortgage Loan)是面向Hawaii购房者的延期第二贷款，由Hawaii Housing Finance & Development Corporation (HHFDC)管理。 The Hale Kamaaina Mortgage Program is HHFDC's flagship first-time homebuyer program offering competitive 30-year fixed-rate first mortgages (targeted at least 50 basis points below market) with an optional down payment assistance second mortgage. Qualifying borrowers may receive a DPA loan of up to 4% of the first mortgage amount, accruing simple interest at 1% per year with no monthly payments, due upon maturity, sale, or refinance. The program had $30 million available at launch. Down payment assistance up to 4% of first mortgage. 1% simple interest, no monthly payments. Deferred until sale, refinance, or maturity. No prepayment penalty. Pairs with below-market 30-year fixed first mortgage. Higher limits and FTHB waiver in targeted areas. 资金来自Tax-exempt mortgage revenue bond proceeds.

Hale Kamaaina Mortgage Program - Down Payment Assistance (Second Mortgage 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：Due in full upon first mortgage maturity, sale, refinance, or other qualifying event. 该援助以Second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。

Hale Kamaaina Mortgage Program - Down Payment Assistance (Second Mortgage 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：First-time buyer = has not owned and occupied a principal residence for the past 3 years; exceptions may apply for Veterans or purchases in targeted areas. 关于信用，该项目说明：Minimum FICO 660 (per current rate sheet for both government and conventional offerings). 须参加购房者教育课程，由Homeownership counseling program through a HUD-approved housing counseling agency; required for all persons on title (not cosigners).提供。 居住要求：Bona fide resident of Hawaii. 公民身份或移民身份：U.S. Citizen or Resident Alien. To receive the DPA second, borrower must contribute a minimum of 5% of the sales price, must not own any other residential property (fee simple or leasehold) in the State, and must not have previously received a down payment loan from any HHFDC program. Borrower must receive a Recapture Tax Notice. Min/max DPA dollar amount and exact min credit score for the DPA tier not separately stated beyond the 4% calculation and 660 FICO on the rate sheet; full program guidelines PDF (eHousingPlus, dated 04-08-2026) could not be retrieved.

Hale Kamaaina Mortgage Program - Down Payment Assistance (Second Mortgage Loan)的收入限制如下：Household income limits (2025, non-targeted / targeted) by county and household size: Hawaii $123,000 (1-2 person) / $141,450 (3+); targeted $147,600 / $172,200. Honolulu $152,000 / $174,800; targeted $182,400 / $212,800. Kalawao $133,080 / $155,260; targeted $147,600 / $172,200. Kauai $159,480 / $186,060 (no targeted tracts). Maui $161,520 / $188,440; targeted same. 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。

Hale Kamaaina Mortgage Program - Down Payment Assistance (Second Mortgage Loan)将房价上限设为$809,458。 符合条件的房屋类型包括Single Family、Townhouse、PUD和Condo。 新建房屋符合条件。

Hale Kamaaina Mortgage Program - Down Payment Assistance (Second Mortgage 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。

Hale Kamaaina Mortgage Program - Down Payment Assistance (Second Mortgage Loan)服务于在Hawaii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 (economically disadvantaged) qualify for higher income and purchase price limits and waive the first-time buyer requirement. No targeted tracts exist in Kauai County.

Hale Kamaaina Mortgage Program - Down Payment Assistance (Second Mortgage Loan)的申请通过Hawaii Housing Finance & Development Corporation (HHFDC)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Lender reserves funds via eHousingPlus eHPortal; 60 days from reservation to loan purchase.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。