Homeownership Assistance Program

Homeownership Assistance Program是面向Multiple县，Iowa购房者的可免除贷款。 SWIPCO Homeownership Assistance — up to $24,999 forgivable 5-year 2nd for FTHB at ~120% AMI across 8 SW Iowa counties. HOME-funded. Southwest Iowa Planning Council (SWIPCO) Homeownership Assistance Program provides up to $24,999 in down-payment, closing-cost, and limited rehab assistance as a 0% interest forgivable second mortgage. Forgiven over 5 years (some funding cycles use 10-year recapture) provided the borrower remains in the home as primary residence. HOME-funded across an 8-county SW Iowa service region (Cass, Fremont, Harrison, Mills, Montgomery, Page, Pottawattamie, Shelby). 资金来自Local、HOME和State。

Homeownership Assistance Program提供最高$8,000的援助。 购房者自付部分：Per first-mortgage lender overlays。 该项目可与其他援助结合使用，但须遵守各项目的规定。 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。

Homeownership Assistance Program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：Assistance up to 7% of purchase price (max $8,000): first $5,000 is a 5-year forgivable loan (forgiven 20% per year); remainder is a 1% interest loan for up to 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。

Homeownership Assistance 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 first-mortgage lender overlays。 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 Cass, Fremont, Harrison, Mills, Montgomery, Page, or Shelby County in Iowa (the 7 counties served by the Southwest Iowa Housing Trust Fund) and used as the 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 ~120% AMI for SW Iowa region (~$77,200-$115,650 by household size). Property must be in one of SWIPCO's 8 service counties (Cass, Fremont, Harrison, Mills, Montgomery, Page, Pottawattamie, Shelby) and primary residence. HUD-approved homebuyer education required. 5-year (or 10-year per funding cycle) owner-occupancy / forgiveness covenant.

Homeownership Assistance Program将家庭收入限制在地区收入中位数的120%，该数值因县和家庭人数而异。 ~120% AMI SW Iowa — typically $77,200 (1 person) up to $115,650 (8+ person) by household size; verify current limit by county at intake. 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。

Homeownership Assistance Program的房价上限如下：Per HUD HOME 95% area median purchase price; varies by county。 符合条件的房屋类型包括Single-family detached, condominium, townhouse, manufactured home on permanent foundation (per cycle)。 新建房屋符合条件。 预制房屋符合条件。

Homeownership Assistance Program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。

Homeownership Assistance Program服务于在Multiple县，Iowa购房的购房者。

Homeownership Assistance 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Application through SWIPCO Housing program; subject to annual HOME allocation and county-specific 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。