Launch – Down Payment Assistance

Launch – Down Payment Assistance是面向Indiana购房者的可免除贷款，由Federal Home Loan Bank of Indianapolis (FHLBank Indianapolis)管理。 Launch is FHLBank Indianapolis's annual down payment assistance program for income-qualified first-time homebuyers purchasing a primary residence in Indiana or Michigan. It provides a grant of up to $20,000 (or 20% of the purchase price, whichever is less) toward down payment, closing costs, and housing counseling costs. The funds are delivered through participating FHLBI member financial institutions, never directly to households, and are subject to a five-year retention agreement under which a pro-rated amount may be recaptured from net proceeds if the home is sold or refinanced within five years. Up to $20,000 toward down payment, closing costs and housing counseling. Grant forgiven over 5-year retention period. Available with first mortgage through participating FHLBI member lenders. 资金来自FHLBank Indianapolis Affordable Housing Program (AHP) Homeownership Initiatives set-aside。

Launch – Down Payment Assistance提供$1,000至$20,000的援助。 购房者自付部分：Homebuyer must contribute a minimum of $500 in personal cash funds (earnest money, cash to close, or closing costs paid outside of closing). 该项目可与May be combined with a first mortgage from a participating FHLBI member; cannot stack a second FHLB grant on the same property.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 Indianapolis (FHLBank Indianapolis)决定。

Launch – Down Payment Assistance在5年后免除，因此住满这段时间的购房者无需偿还。 触发还款的情形：Pro-rated repayment from net proceeds if the home is sold or refinanced within the 5-year retention period; exceptions for sale/transfer to a very low-, low-, or moderate-income household, qualifying refinances, death of sole owner, or when calculated repayment is less than $2,500. 该援助以Subordinate (retention agreement/lien filed with municipal office)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。

Launch – Down Payment Assistance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：First-time homebuyer = no ownership interest in a principal residence during the 3-year period ending on the purchase date. 须参加购房者教育课程，由Any organization experienced in homebuyer/homeowner counseling; completion certificate required; may be in-person or online.提供。 居住要求：Property must be purchased in Indiana or Michigan and occupied as primary residence by all individuals in title.

Launch – Down Payment Assistance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 HUD area median income (AMI) for household size and the county where the property is located, at the time of enrollment. 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。

Launch – Down Payment Assistance的房价上限如下：No stated maximum purchase price; subsidy capped at lesser of $20,000 or 20% of purchase price. 符合条件的房屋类型包括Single Family、Condo、Townhouse、2-4 Unit、Manufactured和Co-op。 新建房屋不符合条件。 预制房屋符合条件。

Launch – Down Payment Assistance服务于在Indiana任何地方购房的购房者。

Launch – Down Payment Assistance的申请通过Federal Home Loan Bank of Indianapolis (FHLBank Indianapolis)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 via FHLBI member through the .GIVES online system until funds 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。