IFA Homebuyer Down Payment Assistance Program (ECICOG)

IFA Homebuyer Down Payment Assistance Program (ECICOG)是面向Benton, Iowa, Johnson, Jones, Linn, Washington县，Iowa购房者的可免除贷款，由East Central Iowa Council of Governments (ECICOG), with IFA and local housing trust funds管理。 ECICOG, in partnership with the Iowa Finance Authority and three local housing trust funds, offers the IFA Homebuyer Down Payment Assistance Program providing up to $35,000 in forgivable down payment assistance plus minor rehabilitation to low-to-moderate-income first-time homebuyers in Benton, Iowa, Johnson, Jones, Linn, and Washington Counties. The forgivable loan is fully forgiven after a 5-year (under $25,000) or 10-year ($25,000+) owner-occupancy retention period. As of 2026, several counties are waitlisted while Linn County is still accepting applications. Up to $35,000 forgivable down payment assistance. Minor rehabilitation included. 0% interest, no payments. Fully forgiven after 5-10 year retention. Multi-county coverage. 资金来自IFA HOME funds plus local housing trust funds (East Central Iowa HTF, Johnson County HTF, Housing Fund for Linn County).

IFA Homebuyer Down Payment Assistance Program (ECICOG)提供最高$35,000的援助。 援助档次：Retention period 5 years (<$25,000) or 10 years ($25,000+). 该项目可与Other down payment assistance sources (disclosure required).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East Central Iowa Council of Governments (ECICOG), with IFA and local housing trust funds决定。

IFA Homebuyer Down Payment Assistance Program (ECICOG)是可免除贷款，满足项目条件后余额即被免除。 触发还款的情形：Must own and occupy as primary residence for 5 years (<$25,000) or 10 years ($25,000+); repayment triggered by failure to occupy during the retention period. 该援助以Second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。

IFA Homebuyer Down Payment Assistance Program (ECICOG)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 = no ownership interest in any property in the last 3 years; includes single parents/displaced homemakers and prior owners of non-affixed mobile homes. 关于信用，该项目说明：Determined by mortgage lender; no program minimum published. 居住要求：Home in an eligible targeted community; cannot be in Iowa City, Hills, Cedar Rapids, Marion, or Fairfax. Forgivable; fully forgiven after 5 years (<$25,000) or 10 years ($25,000+). Buyer must obtain a fixed-rate conventional first mortgage, term at least 15 years, no balloon. Several counties currently on waitlist (Linn open).

IFA Homebuyer Down Payment Assistance Program (ECICOG)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/below 80% AMI for household size, varies by county; effective 5/1/2026 (e.g., Benton/Iowa/Jones/Linn/Washington 4-person $75,300; higher in Johnson County). 该限制适用于家庭总收入，而不仅是借款人的收入。 该项目列出的最大家庭人数为8。 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。

IFA Homebuyer Down Payment Assistance Program (ECICOG)将房价上限设为$324,000。 符合条件的房屋类型包括Single-family residence (primary residence)。 预制房屋不符合条件。

IFA Homebuyer Down Payment Assistance Program (ECICOG)服务于在Benton, Iowa, Johnson, Jones, Linn, Washington县，Iowa购房的购房者。 该项目针对特定区域：Eligible targeted communities across Benton, Iowa, Johnson, Jones, Linn, and Washington Counties; excludes Iowa City, Hills, Cedar Rapids, Marion, Fairfax.

IFA Homebuyer Down Payment Assistance Program (ECICOG)的申请通过East Central Iowa Council of Governments (ECICOG), with IFA and local housing trust funds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 with income documentation; Benton/Iowa/Johnson/Jones counties on waitlist; Linn County still accepting.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。