SEICAA Self-Help Housing (with Down Payment Assistance & Gap Financing)

SEICAA Self-Help Housing (with Down Payment Assistance & Gap Financing)是面向Pocatello，Idaho购房者的首付援助，由Southeastern Idaho Community Action Agency, Inc. (SEICAA)管理。 SEICAA's Self-Help Housing program lets eligible first-time homebuyers build their own homes under a construction supervisor, contributing 50-100 hours of sweat equity that serves as the down payment. Participants may also qualify for additional subsidies, down-payment assistance and gap financing. Over 90 SE Idaho families have achieved homeownership through the program since 2004. Sweat equity (50-100 hours) counts as the down payment. May qualify for additional subsidies, DPA and gap financing. Build-your-own-home model with construction supervision. Homebuyer education included. 资金来自Federal/state housing development funds administered by SEICAA (USDA Rural Development Section 523 Mutual Self-Help model; additional subsidies, DPA and gap financing).

SEICAA Self-Help Housing (with Down Payment Assistance & Gap Financing)是首付援助，按Southeastern Idaho Community Action Agency, Inc. (SEICAA)设定的条款偿还。 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。

SEICAA Self-Help Housing (with Down Payment Assistance & Gap Financing)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。 该项目列出的最低信用分数为640。 须参加购房者教育课程，由Online Homebuyer Education class (required).提供。 居住要求：Serves Southeastern Idaho, focus in Bannock, Oneida, Franklin and Caribou Counties. Participants provide 50-100 hours of labor (sweat equity) as the down payment. Income at/below 80% AMI; reasonable credit (no bankruptcy in 36 months, nothing in collections, score >=640); able to contract; adequate dependable income; complete online homebuyer education. Always accepting applications (waitlist).

SEICAA Self-Help Housing (with Down Payment Assistance & Gap Financing)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 or below 80% of Area Median Income. 2022 Bannock County limits (current builds are in Bannock County): 1p $40,850; 2p $46,650; 3p $52,500; 4p $58,300; 5p $63,000; 6p $67,650. Limits for Oneida/Franklin/Caribou not posted. 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。

SEICAA Self-Help Housing (with Down Payment Assistance & Gap Financing)服务于在Pocatello，Idaho购房的购房者。

SEICAA Self-Help Housing (with Down Payment Assistance & Gap Financing)的申请通过Southeastern Idaho Community Action Agency, Inc. (SEICAA)办理，该机构在其网站上公布现行条款和申请步骤。 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。