Home Down Payment Assistance Program

Home Down Payment Assistance Program是面向Multi-County县，Indiana购房者的延期第二贷款。 UWWV HDPAP — joint-venture DPA with regional banks providing up to 5% (3% DP / 2% closing) for homes <=$80,000 in Vigo, Clay, Parke, Sullivan, Vermillion (IN) and Clark (IL). Above $80,000: case-by-case max $4,000. Recapture agreement recorded at closing. <=80% AMI. United Way of the Wabash Valley's Home Down Payment Assistance Program (HDPAP), a joint venture with regional partner financial institutions, provides up to 5% of the purchase price (3% down payment + 2% closing costs) for homes priced at or below $80,000. For homes priced above $80,000, assistance is considered case-by-case but capped at $4,000. A Recapture Agreement is recorded at closing allowing United Way to recover a portion of the DPA if the agreement's terms are not kept. 资金来自United Way、PartnerBanks和Philanthropic。

Home Down Payment Assistance Program按项目规定，提供相当于房价5%的援助。 购房者自付部分：Per first-mortgage product overlays。 该项目可与其他援助结合使用，但须遵守各项目的规定。 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。

Home Down Payment Assistance Program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：Recapture per UWWV agreement if terms are not kept (specific term per signed agreement)。 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。

Home Down Payment Assistance Program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：Per first-mortgage product overlays。 居住要求：Property must be located in Clay, Parke, Sullivan, Vermillion, or Vigo County (IN) or Clark County (IL) and used as primary residence。 公民身份或移民身份：Per first-mortgage product overlays。 Entire household income must be at/below 80% AMI of the property county. Property must be primary residence in one of: Clay, Parke, Sullivan, Vermillion, Vigo (IN), or Clark (IL) counties. Maximum home price $80,000 (case-by-case for higher-priced homes, max $4,000 assistance). Recapture Agreement signed at closing and recorded with the county. Borrower must provide proof of income.

Home Down Payment Assistance Program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。 Entire household income at/below 80% AMI of the property county per HUD-published limits (range ~$38,050-$85,700 across counties and household sizes). 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。

Home Down Payment Assistance Program将房价上限设为$80,000。 符合条件的房屋类型包括Single-family detached (existing or new construction)。 新建房屋符合条件。 预制房屋不符合条件。

Home Down Payment Assistance Program服务于在Multi-County县，Indiana购房的购房者。

Home Down Payment Assistance Program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Direct application through United Way of the Wabash Valley; subject to fund and partner-bank 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。