SICOG / SIDG Housing Revolving Loan Fund (H-RLF) Down Payment Assistance

SICOG / SIDG Housing Revolving Loan Fund (H-RLF) Down Payment Assistance是面向Creston，Iowa购房者的延期第二贷款，由Southern Iowa Council of Governments (SICOG) / Southern Iowa Development Group, Inc. (SIDG)管理。 The Southern Iowa Development Group, Inc. Housing Revolving Loan Fund (SIDG H-RLF), administered through SICOG, helps first-time homebuyers in SIDG's eight-county region overcome the down payment obstacle. Loans of up to $6,500 are made for down payment assistance only and must be matched dollar-for-dollar with the borrower's own funds. The loan carries a fixed 2% interest rate over a seven-year term, with the first two years deferred of interest and payments. A $100 application fee and 1% closing cost apply. The home must be the borrower's principal residence. Each loan requires a 25% local match (from a local bank, development group, realtor, city, county, or private individual). A first-time homebuyer is someone who has not owned or purchased a home in the last three years. Down payment assistance loan up to $6,500. Fixed 2% interest with first two years deferred. Seven-year term. 资金来自Southern Iowa Development Group, Inc. Housing Revolving Loan Fund (SIDG H-RLF); requires 25% local match (bank, development group, realtor, city, county, or private individual)。

SICOG / SIDG Housing Revolving Loan Fund (H-RLF) Down Payment Assistance提供最高$6,500的援助。 购房者自付部分：Borrower must match the loan dollar-for-dollar with their own funds (e.g., up to $6,500 borrower contribution for a $6,500 loan)。 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Southern Iowa Council of Governments (SICOG) / Southern Iowa Development Group, Inc. (SIDG)决定。

SICOG / SIDG Housing Revolving Loan Fund (H-RLF) 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：Repayable loan: 7-year term with the first two years deferred of interest and payments; principal and 2% interest repaid over the remaining term. Not forgivable. Official source does not state acceleration on sale/refinance/loss of owner-occupancy. 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。

SICOG / SIDG Housing Revolving Loan Fund (H-RLF) Down Payment Assistance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。 居住要求：Property must be located in one of SIDG's eight counties (Adair, Adams, Clarke, Decatur, Madison, Ringgold, Taylor, Union) where local match has been provided。 staged from primary sources (sicog.com/housing + H-RLF brochure); verify before publishing. Distinct from the SW Iowa SWIPCO program. Income table, credit/DTI, max purchase price, and education requirements not published on the official source; left blank.

SICOG / SIDG Housing Revolving Loan Fund (H-RLF) Down Payment Assistance的收入限制如下：No hard income cap is published; SIDG can generally make a loan to a borrower at any income level, but at least 51% of first-time homebuyers assisted must meet low-to-moderate income guidelines. Specific income tables by household size are not published on the official source. 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。

SICOG / SIDG Housing Revolving Loan Fund (H-RLF) Down Payment Assistance可用于Single Family。

SICOG / SIDG Housing Revolving Loan Fund (H-RLF) Down Payment Assistance服务于在Creston，Iowa购房的购房者。

SICOG / SIDG Housing Revolving Loan Fund (H-RLF) Down Payment Assistance的申请通过Southern Iowa Council of Governments (SICOG) / Southern Iowa Development Group, Inc. (SIDG)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Buyer typically contacts a participating local financial institution or realtor, which conducts the initial loan review and signs the SIDG loan application; inquiry form submitted to SICOG at (641) 782-8491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。