IHDAccess Deferred

IHDAccess Deferred是面向Statewide，Illinois购房者的延期第二贷款。 IHDAccess Deferred is one of three IHDA Mortgage DPA tiers, providing 5% of the purchase price up to $7,500 as a 0% interest deferred second mortgage. No monthly payments; full balance due only on sale, refinance, first-mortgage payoff, or second-mortgage maturity. Paired with a 30-year fixed-rate IHDA first mortgage (FHA/VA/USDA/Conventional). Available to first-time and repeat homebuyers statewide; 640 minimum FICO; 1% borrower contribution; county-specific income & purchase price limits. 5% of the purchase price up to $7,500 in down payment and closing-cost assistance, structured as a 0% interest deferred second mortgage with NO monthly payments. The full principal balance is due only when the home is sold, refinanced, the first mortgage is paid off, or the second mortgage matures (i.e., deferred for the life of the first mortgage). Paired with an IHDA 30-year fixed-rate first mortgage (FHA/VA/USDA/Conventional). Available to first-time AND repeat homebuyers in all 102 Illinois counties. 资金来自State、HFA和Bond。

IHDAccess Deferred提供最高$7,500的援助。 购房者自付部分：Borrower must contribute $1,000 or 1% of purchase price, whichever is greater。 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。

IHDAccess Deferred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：Deferred for life of first mortgage和balance due in full at sale, refinance, first-mortgage payoff, transfer of title, or non-owner-occupancy。 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。

IHDAccess Deferred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：Minimum 640 FICO across all loan products。 须参加购房者教育课程，由IHDA-approved HUD-certified homebuyer education (online or in-person; required for first-time homebuyers; recommended for all). See ihdamortgage.org/education.提供。 居住要求：Property must be located in Illinois and used as borrower's primary residence。 公民身份或移民身份：U.S. citizen or qualifying permanent/non-permanent resident alien per IHDA product overlays。 Borrower must contribute $1,000 or 1% of purchase price (whichever is greater) of own funds. Minimum 640 FICO. Property must be primary residence. Household income at or below IHDA county-by-county limits (top tier ~$158,880 by household size; varies by county). Purchase price at or below IHDA county-specific limit (e.g., ~$610,939 for 1-unit in Cook/DuPage/Kane/Lake/McHenry/Will). First-time homebuyers must complete an IHDA-approved homebuyer education course prior to closing. Standard IHDA underwriting overlays apply to first mortgage product (FHA/VA/USDA/Conventional).

IHDAccess Deferred将家庭收入限制在$158,880。 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。

IHDAccess Deferred将房价上限设为$951,665。 符合条件的房屋类型包括Single-family detached, 1-4 unit (per first-mortgage product), condominium, townhouse, PUD。 新建房屋符合条件。 预制房屋不符合条件。

IHDAccess Deferred服务于在Statewide，Illinois购房的购房者。 该项目针对特定区域：IHDA designates federally qualified target areas (typically lower-income census tracts) where first-time-homebuyer rule and income limits are relaxed; see IHDA target-area maps.

IHDAccess Deferred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IHDA-approved lender reserves funds via IHDA Mortgage's Loan Origination System (LOS) at time of loan reservation; subject to bond/program funding availability.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。