Down Payment Assistance

Down Payment Assistance是面向Council Bluffs，Iowa购房者的可免除贷款。 Council Bluffs DPA — up to $5,000 forgivable 5-year 2nd for FTHB at 80% AMI in city limits. 640 FICO minimum. City of Council Bluffs Down Payment Assistance provides up to $5,000 in down-payment and closing-cost assistance as a 0% interest forgivable second mortgage. Forgiven over 5 years provided the borrower remains in the home as primary residence. HOME/CDBG-funded. Council Bluffs city limits only. 资金来自Local、HOME和CDBG。

Down Payment Assistance在5年后免除，因此住满这段时间的购房者无需偿还。 触发还款的情形：Forgiven over 5 years和full or pro-rata repayment if borrower sells, refinances, or vacates within 5 years。 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。

Down Payment Assistance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：640 minimum FICO。 须参加购房者教育课程，由HUD-approved homebuyer education; required prior to closing.提供。 居住要求：Property must be located within Council Bluffs city limits and used as borrower's primary residence。 公民身份或移民身份：U.S. citizen or eligible non-citizen per HUD HOME rules。 First-time homebuyer required (no homeownership in past 3 years). Household income at or below 80% AMI for Pottawattamie County (~$61,350-$115,650 by household size). Minimum 640 FICO. Property must be in Council Bluffs city limits and primary residence. HUD-approved homebuyer education required. 5-year owner-occupancy / forgiveness covenant.

Down Payment Assistance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。 80% AMI Pottawattamie County — typically $61,350 (1 person) up to $115,650 (8+ person), per HUD published 2025/2026 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 Assistance的房价上限如下：Per HUD HOME 95% area median purchase price; verify with City。 符合条件的房屋类型包括Single-family detached, condominium, townhouse。 新建房屋符合条件。 预制房屋不符合条件。

Down Payment Assistance在其服务群体中提到了退伍军人、现役军人、预备役人员和国民警卫队成员和遗属配偶。 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。

Down Payment Assistance服务于在Council Bluffs，Iowa购房的购房者。

Down Payment Assistance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 through Council Bluffs Community Development; subject to annual allocation.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。