FHLB Des Moines Home$tart Down Payment Assistance Grant

FHLB Des Moines Home$tart Down Payment Assistance Grant是面向Statewide，Idaho购房者的补助金，由Federal Home Loan Bank of Des Moines (through participating member institutions)管理。 Home$tart is a down payment and closing cost assistance grant offered through FHLB Des Moines member institutions for qualifying first-time homebuyers in the FHLB Des Moines district, which includes Idaho. The grant provides $15,000 per household toward down payment, closing costs, and up to $250 of homebuyer education for households at or below 80% AMI. Grant funds are secured by a 5-year deed restriction and forgiven pro rata over 60 months. Funds are reserved by participating members first-come, first-served and replenished quarterly in 2026. Up to $15,000 grant toward down payment and closing costs. No repayment if retained 5 years (forgiven pro rata). May be layered with other DPA in any lien position. Covers up to $250 of homebuyer education. 资金来自FHLB Des Moines Affordable Housing Program (10% of net income set-aside)。

FHLB Des Moines Home$tart Down Payment Assistance Grant提供最高$15,000的援助。 该项目可与May be layered with other down payment products and may be in any recording position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Federal Home Loan Bank of Des Moines (through participating member institutions)决定。

FHLB Des Moines Home$tart Down Payment Assistance Grant属于补助金，因此无需偿还。 触发还款的情形：Sale of the home within the 5-year retention period (pro-rata repayment of the unforgiven portion)。 该援助以Secured by a 5-year self-extinguishing deed restriction/retention agreement; may be in any recording 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。

FHLB Des Moines Home$tart Down Payment Assistance Grant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：Defined as not having owned a home in the prior three years (HUD first-time homebuyer definition)。 须参加购房者教育课程，由Any qualifying homebuyer education course completed prior to closing (counseling/education costs reimbursable up to $250)提供。 Available only through FHLB Des Moines member institutions; homebuyer must work with a participating member (FHLB does not take applications directly). Homebuyer education must be completed prior to closing. As of mid-2026 the general pool was fully reserved for the current quarter; funds return via expiring reservations and replenish at quarterly dates, so the program remains active. Citizenship requirement and minimum credit score not specified on official source.

FHLB Des Moines Home$tart Down Payment Assistance Grant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 or below 80% of area median income (by household size and state/county) per HUD or NAHASDA income limits; calculated as of reservation date including all current and intended household members. 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。

FHLB Des Moines Home$tart Down Payment Assistance Grant的房价上限如下：In-district purchase price limits apply; see FHLB Des Moines Income and Purchase Price Limits page。 符合条件的房屋类型包括Single Family、Condo、2-4 Unit和Manufactured。 新建房屋符合条件。 预制房屋符合条件。

FHLB Des Moines Home$tart Down Payment Assistance Grant服务于在Statewide，Idaho购房的购房者。

FHLB Des Moines Home$tart Down Payment Assistance Grant的申请通过Federal Home Loan Bank of Des Moines (through participating member institutions)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Reservations submitted by participating members via DP Online (eAdvantage) prior to closing; first-come, first-served until pool or member cap exhausted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。