Neighborhood Reinvest Down Payment Assistance

Neighborhood Reinvest Down Payment Assistance是面向Des Moines，Iowa购房者的延期第二贷款。 Neighborhood Reinvest DPA is NFC's targeted-neighborhood DPA — up to $10,000, 0% interest forgivable 2nd, 5-year forgiveness, for purchases in NFC-designated Reinvestment Areas. May layer with NFC rehab and grant-match for higher subsidy in target tracts. Neighborhood Reinvest DPA provides up to $10,000 in down-payment assistance as a 0% interest forgivable second mortgage for purchases in NFC-designated Neighborhood Reinvestment Areas (specific Des Moines and Polk County census tracts targeted for revitalization). Forgiven over 5 years. May be layered with NFC's grant-match and rehab funding for higher total subsidy in target neighborhoods. Pairs with NFC first mortgage. 资金来自Local、CDFI、HOME、Bank Partners和City of Des Moines。

Neighborhood Reinvest Down Payment Assistance提供最高$15,000的援助。 该项目要求购房者自付$1,000 minimum borrower contribution。 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。

Neighborhood Reinvest Down Payment Assistance为延期还款，在房屋出售、再融资或第一抵押贷款还清之前无需付款。 触发还款的情形：30-year deferred loan, 0% interest, no monthly payments和repaid when the home is sold, is no longer the primary residence, or (in some instances) refinanced。 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。

Neighborhood Reinvest Down Payment Assistance面向将房屋作为主要住所自住的购房者。 关于信用，该项目说明：640 minimum FICO。 须参加购房者教育课程，由NFC-approved homebuyer education; required for all borrowers prior to closing.提供。 居住要求：Property must be in an NFC lending area (Des Moines, West Des Moines, Windsor Heights, Urbandale, or Cedar Rapids; Polk and Linn Counties) and be an owner-occupied principal residence. First mortgage must be financed through NFC. 公民身份或移民身份：U.S. citizen, permanent resident, or qualifying non-permanent resident alien。 Property MUST be located in an NFC-designated Neighborhood Reinvestment Area (verify with NFC at intake; map available on NFC website). Household income at or below ~$149,200. Minimum 640 FICO. Maximum 45% DTI. $1,000 minimum borrower contribution. Primary residence required. Homebuyer education required. 5-year forgiveness covenant.

Neighborhood Reinvest Down Payment Assistance将家庭收入限制在地区收入中位数的100%，该数值因县和家庭人数而异。 Household annual income at or below 100% of Area Median Income. 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。

Neighborhood Reinvest Down Payment Assistance的房价上限如下：Per NFC underwriting; no published flat cap. 符合条件的房屋类型包括Single-family detached, condominium, townhouse, 1-2 unit owner-occupied。 新建房屋符合条件。 预制房屋不符合条件。

Neighborhood Reinvest Down Payment Assistance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。

Neighborhood Reinvest Down Payment Assistance服务于在Des Moines，Iowa购房的购房者。 该项目针对特定区域：NFC-designated Neighborhood Reinvestment Areas — specific Des Moines and Polk County census tracts identified for revitalization investment.

Neighborhood Reinvest Down Payment Assistance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Reservation through NFC origination process; tract eligibility verified at intake.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。