Homebuyer Assistance Program (City of Waterloo)

Homebuyer Assistance Program (City of Waterloo)是面向Waterloo，Iowa购房者的可免除贷款，由City of Waterloo Community Development管理。 The City of Waterloo Community Development Homebuyer Assistance Program provides up to $25,000 in down payment and closing cost assistance (after seller concessions and lender credits) to low-to-moderate-income first-time homebuyers purchasing within Waterloo city limits. Assistance is a 0% interest deferred forgivable loan secured by a second-position mortgage, forgiven over a 5-to-15-year Period of Affordability. Funded with HUD HOME/CDBG dollars on a first-come, first-served basis; borrowers contribute at least $1,000. Up to $25,000 in DPA/closing cost assistance. 0% interest, no monthly payments. Forgivable over the affordability period. First-come, first-served. 资金来自HUD HOME / CDBG (HOME assistance per 24 CFR 92.254(a)).

Homebuyer Assistance Program (City of Waterloo)提供最高$25,000的援助。 援助档次：Period of Affordability scales 5-15 years with amount of assistance. 该项目要求购房者自付$1,000 minimum. 该项目可与May be layered with first mortgage; seller concessions and lender credits reduce assistance.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City of Waterloo Community Development决定。

Homebuyer Assistance Program (City of Waterloo)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：Repayment due upon sale, refinance, transfer, or failure to occupy as principal residence during the 5-to-15-year Period of Affordability; surviving co-borrower may assume the loan. 该援助以Second (no lower than third) position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。

Homebuyer Assistance Program (City of Waterloo)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：Displaced homemakers and single parents who only owned with a former spouse may qualify; first-time = not owned a home in prior 3 years (24 CFR 92.2). 关于信用，该项目说明：Must demonstrate a credit history of responsible borrowing and repayment (no numeric minimum published). 须参加购房者教育课程，由HUD-approved counseling agency; first-time homebuyer education class (online via Horizons / Family Management).提供。 居住要求：Property within Waterloo city limits on City water and sewer. 0% deferred forgivable 2nd mortgage forgiven over a 5-15 year Period of Affordability (scaled to amount).

Homebuyer Assistance Program (City of Waterloo)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。 Household income at/below 80% AMI for Waterloo/Cedar Falls MSA; effective 6/1/2026: 4-person $75,300 (1p $52,750 ... 8p $99,400). 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。

Homebuyer Assistance Program (City of Waterloo)将房价上限设为$219,000。 符合条件的房屋类型包括Single-family (1-unit)、Condominium和Manufactured home on permanent foundation on owned land。 新建房屋符合条件。 预制房屋符合条件。

Homebuyer Assistance Program (City of Waterloo)服务于在Waterloo，Iowa购房的购房者。

Homebuyer Assistance Program (City of Waterloo)的申请通过City of Waterloo Community Development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First-come, first-served.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。