Homebuyer Loan Program

Homebuyer Loan Program是面向Kauai县，Hawaii购房者的补助金。 The Kauai County Housing Agency Homebuyer Loan Program provides low-cost loans to first-time homebuyers purchasing on the island of Kauai who meet KMHI (Kauai Median Household Income) tiered eligibility. Structure: a Primary Loan (max $450,000, 30-year amortization with 15-year balloon) at an interest rate based on borrower's KMHI tier (4.75%-7.50%), plus an optional GAP Mortgage (max $150,000). Applicants must be first-time homebuyers, U.S. citizens or resident aliens, 18+, and complete a Homebuyer Education program. Two-loan structure for first-time homebuyers in Kauai County: (1) Primary Loan up to $450,000 at a low interest rate (based on KMHI tier - rates 4.75%-7.50%), 30-year amortization with 15-year balloon. PLUS (2) GAP / secondary loan up to $150,000. Interest rates set by KMHI tier. Designed to make homeownership accessible at multiple income tiers up to ~140% AMI on Kauai - the most expensive island after Honolulu. 资金来自Local、State、Federal、HOME和CDBG。

Homebuyer Loan Program属于补助金，因此无需偿还。 触发还款的情形：Monthly amortizing payments over 30 years with 15-year balloon on primary loan和GAP per terms。 该援助以1st Lien (Primary) / 2nd Lien (GAP)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。

Homebuyer Loan Program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 Kauai County Housing Agency underwriting and partner-lender overlays。 须参加购房者教育课程，由Kauai County-approved Homebuyer Education program; must be completed before purchase提供。 居住要求：Property must be located in Kauai County and used as borrower's primary residence。 公民身份或移民身份：U.S. citizen or resident alien。 Must be U.S. citizen or resident alien. Must be 18 years or older. Must be first-time homebuyer (no majority interest in a principal residence or real estate in past 3 years). Must complete Homebuyer Education program. Income tiered by KMHI (Kauai Median Household Income) sliding scale. Property must be in Kauai County. Primary loan has 15-year balloon.

Homebuyer Loan Program将家庭收入限制在地区收入中位数的140%，该数值因县和家庭人数而异。 Tiered by KMHI (Kauai Median Household Income) by family size. 2024 Kauai 100% KMHI = $107,100 (4-person); 2025 KMHI = $102,200 (4-person). Seed range $74,350-$140,200 reflects ~80% to 140% KMHI band. Sales-price tier brackets at 4.75%-7.50% interest, with the lowest rate for lowest-income tier. 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。

Homebuyer Loan Program将房价上限设为$586,550。 符合条件的房屋类型包括Single-family detached, condominium, townhouse - primary residence in Kauai County。 新建房屋符合条件。 预制房屋不符合条件。

Homebuyer Loan Program服务于在Kauai县，Hawaii购房的购房者。

Homebuyer Loan 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Direct application to Kauai County Housing Agency Homebuyer Program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。