FirstHome Grant

FirstHome Grant是面向Statewide，Iowa购房者的补助金。 FirstHome Grant is a $2,500 true grant alternative to FirstHome 2nd Loan, paired with IFA's FirstHome 30-year fixed first mortgage. No repayment, no recorded lien on the grant amount. FTHB required; 640 FICO; county-specific income and acquisition caps. FirstHome Grant provides up to $2,500 in down payment and closing cost assistance as a TRUE GRANT — no repayment, no lien, no recapture. Paired with the IFA FirstHome first mortgage (30-year fixed-rate FHA/VA/USDA-RD/Conventional HFA Preferred/Advantage). Buyer chooses either the FirstHome Grant or the FirstHome 2nd Loan, not both. 资金来自State、HFA和Bond。

FirstHome Grant提供最高$2,500的援助。 购房者自付部分：Borrower contribution per first-mortgage product overlays; no separate IFA contribution requirement。 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管理该项目的机构决定。

FirstHome Grant属于补助金，因此无需偿还。 触发还款的情形：True grant — no repayment required。 该援助以N/A (grant - no 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。

FirstHome 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：First-time-homebuyer rule waived in IFA-designated federally targeted census tracts and for qualifying veterans。 关于信用，该项目说明：640 minimum FICO across all eligible loan products。 须参加购房者教育课程，由IFA-approved homebuyer education through Framework, Money Smart, or HUD-approved housing counseling agency; required for all FirstHome borrowers prior to closing.提供。 居住要求：Property must be located in Iowa and used as borrower's primary residence。 公民身份或移民身份：U.S. citizen, permanent resident, or qualifying non-permanent resident alien per first-mortgage product overlays。 First-time homebuyer required (no homeownership interest in past 3 years); waived in IFA-designated federal targeted areas and for qualifying veterans. Minimum 640 FICO. Maximum 50% DTI. Property must be primary residence. Household income at or below IFA county-specific limits (top tier ~$173,460 targeted). Purchase price at or below IFA acquisition limit (top tier ~$665,000 targeted, ~$544,000 non-targeted). Must use IFA Participating Lender. Homebuyer education required.

FirstHome Grant将家庭收入限制在$173,460。 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。

FirstHome Grant将房价上限设为$665,000。 符合条件的房屋类型包括Single-family detached, condominium, townhouse, PUD, manufactured home (per first-mortgage overlays), 1-2 unit。 新建房屋符合条件。 预制房屋符合条件。

FirstHome Grant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。

FirstHome Grant服务于在Statewide，Iowa购房的购房者。 该项目针对特定区域：IFA designates federally qualified target areas where income/acquisition limits are relaxed and FTHB is waived.

FirstHome Grant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IFA-approved lender reserves funds via IFA's Online Lender Portal at time of loan reservation; subject to bond/program funding availability.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。