FHLB Des Moines Home$tart Down Payment Grant

FHLB Des Moines Home$tart Down Payment Grant是面向Iowa购房者的补助金，由Federal Home Loan Bank of Des Moines (delivered via member financial institutions)管理。 Home$tart is a down payment and closing cost assistance grant of $15,000 for qualifying first-time homebuyers earning up to 80% AMI, delivered through FHLB Des Moines member banks. Secured by a self-extinguishing 5-year deed restriction; fully forgiven after 5 years of ownership. Up to $15,000 grant for down payment and closing costs. No repayment if owned 5+ years. Layerable with other DPA. No neighborhood restrictions. 资金来自FHLB Des Moines Affordable Housing Program (10% of net income)。

FHLB Des Moines Home$tart Down Payment Grant提供最高$15,000的援助。 购房者自付部分：Must have a signed Purchase and Sale Agreement to enroll; must qualify for mortgage financing with lender。 该项目可与Other down payment products including NAHI结合使用。 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Federal Home Loan Bank of Des Moines (delivered via member financial institutions)决定。

FHLB Des Moines Home$tart Down Payment Grant属于补助金，因此无需偿还。 触发还款的情形：Sale of home within 5 years (prorated repayment from sale proceeds)。 该援助以Secured via 5-year deed restriction/lease addendum; may be in any recording position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。

FHLB Des Moines Home$tart Down Payment Grant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。 须参加购房者教育课程，由Homebuyer education class required prior to closing (up to $250 of grant may cover counseling/education costs)提供。 Multistate program: available across the FHLB Des Moines district (this row is the Iowa instance). Delivered only through FHLB Des Moines member banks; member must enter a Down Payment Program Agreement and reserve funds before closing. April 1, 2026 release fully reserved as of research date; next quarterly release July 1, 2026.

FHLB Des Moines Home$tart Down Payment Grant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。 At or below 80% of area median income based on household size and state/county; includes income of all current and intended household members; calculated as of enrollment date. 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。

FHLB Des Moines Home$tart Down Payment Grant可用于Single Family、Condo、Manufactured、2-4 Unit和Community Land Trust。 新建房屋不符合条件。 预制房屋符合条件。

FHLB Des Moines Home$tart Down Payment Grant服务于在Iowa任何地方购房的购房者。

FHLB Des Moines Home$tart Down Payment Grant的申请通过Federal Home Loan Bank of Des Moines (delivered via member financial institutions)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 DP Online (eAdvantage); reservation must be submitted prior to closing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。