FHLB Des Moines Native American Homeownership Initiative (NAHI) Grant

FHLB Des Moines Native American Homeownership Initiative (NAHI) 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。 NAHI is a $25,000 down payment and closing cost assistance grant for qualifying Native American, Alaska Native, and Native Hawaiian first-time homebuyers earning up to 80% AMI, delivered through FHLB Des Moines member banks. Eligible for purchase, related repairs, and new construction (with approval). Up to $25,000 grant. Eligible on and off tribal land. New construction and repairs eligible. Forgiven after 5 years. 资金来自FHLB Des Moines Affordable Housing Program (10% of net income)。

FHLB Des Moines Native American Homeownership Initiative (NAHI) Grant提供最高$25,000的援助。 该项目可与Other down payment products including Home$tart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 Native American Homeownership Initiative (NAHI) 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); self-extinguishing deed restriction。 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 Native American Homeownership Initiative (NAHI) Grant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：At least one household member must be listed on the mortgage as a first-time homebuyer。 须参加购房者教育课程，由Financial literacy / homebuyer education program required prior to closing (up to $250 of grant may cover costs)提供。 Multistate program: available across the FHLB Des Moines district (this row is the Iowa instance). At least one household member must be a first-time homebuyer and complete a financial literacy program before closing. Delivered only through FHLB Des Moines member banks.

FHLB Des Moines Native American Homeownership Initiative (NAHI) 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 (HUD or NAHASDA income limits) based on household size; includes income of all current and intended household members. 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 Native American Homeownership Initiative (NAHI) Grant可用于Single Family、Manufactured、2-4 Unit和Community Land Trust。 新建房屋符合条件。 预制房屋符合条件。

FHLB Des Moines Native American Homeownership Initiative (NAHI) Grant在其服务群体中提到了美洲印第安人和阿拉斯加原住民购房者。 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。

FHLB Des Moines Native American Homeownership Initiative (NAHI) Grant服务于在Iowa任何地方购房的购房者。

FHLB Des Moines Native American Homeownership Initiative (NAHI) 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 before 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。