Next Home

Next Home是面向Statewide，Indiana购房者的延期第二贷款。 Next Home is IHCDA's repeat-buyer-friendly DPA tier, providing up to 3.5% of the purchase price as a 0% interest non-forgivable second mortgage paired with a 30-year fixed IHCDA first mortgage (FHA or Conventional). NO first-time-homebuyer requirement — uniquely flexible vs. First Step. 660 FICO Conventional / 640 FICO FHA. County-specific income and acquisition limits. Next Home provides up to 3.5% of the purchase price as down payment and closing-cost assistance, structured as a 0% interest, non-forgivable second mortgage with NO monthly payments. The principal balance is deferred and due only on sale, refinance, payoff, or transfer of title within the 2- or 3-year affordability period (depending on first-mortgage product). after the affordability period, no further repayment is owed if the borrower remains in the home. Paired with an IHCDA 30-year fixed-rate FHA or Conventional first mortgage. NO first-time-homebuyer requirement — available to repeat buyers as well. 资金来自State、HFA和Bond。

Next Home按项目规定，提供相当于房价3.5%的援助。 该项目要求购房者自付$250 IHCDA reservation/program fee; lender may also require minimum borrower contribution per first-mortgage product。 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。

Next Home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和balance due on sale, refinance, payoff, or transfer of title within the affordability period。 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。

Next Home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：660 minimum FICO for Conventional; 640 minimum FICO for FHA。 居住要求：Property must be located in Indiana and used as borrower's primary residence。 公民身份或移民身份：U.S. citizen, permanent resident, or qualifying non-permanent resident alien per first-mortgage product overlays。 NO first-time-homebuyer requirement. Minimum 660 FICO for conventional, 640 for FHA. Max 45% DTI (50% with FHA total scorecard accept and 680 FICO). Property must be primary residence. Household income at or below IHCDA published county limits (top tier ~$156,520). Purchase price at or below IHCDA county-specific acquisition limit. $250 reservation fee. Standard IHCDA underwriting overlays apply.

Next Home将家庭收入限制在$156,520。 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。

Next Home将房价上限设为$594,770。 符合条件的房屋类型包括Single-family detached, condominium, townhouse, PUD, 2-unit (per first-mortgage overlays)。 新建房屋符合条件。 预制房屋不符合条件。

Next Home服务于在Statewide，Indiana购房的购房者。 该项目针对特定区域：IHCDA designates federally qualified target areas where income/acquisition limits are relaxed.

Next Home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IHCDA-approved lender reserves funds via IHCDA Online Lender Portal (OLP) at time of loan reservation; subject to bond/program funding availability and $250 reservation fee.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。