KansasDPA Bond Program

KansasDPA Bond Program是面向Statewide，Kansas购房者的补助金。 KansasDPA Bond Program is a tax-exempt MRB-funded first-mortgage program offering a 30-year fixed-rate first mortgage paired with a non-repayable grant equal to 5% of the loan amount. Designed primarily for first-time homebuyers; FTHB rule waived in federally targeted census tracts and for qualifying veterans. 640/660/680 FICO tiers; bond income/purchase-price caps apply. Statewide via KansasDPA participating lender network. KansasDPA Bond Program provides a non-repayable grant of up to 5% of the first-mortgage note amount, applicable to down payment, closing costs, prepaids, or principal reduction. The grant is tied to a 30-year fixed-rate first mortgage funded with proceeds from tax-exempt private-activity (Mortgage Revenue Bond / MRB) bonds. Because bond proceeds enable below-conventional pricing, the program structure delivers a higher relative DPA percentage (5%) than the parallel TBA-funded KansasDPA Program. There is no second lien, no second note, no deed restriction, and no recapture of the assistance unless fraud is found at origination. 资金来自State和Bond。

KansasDPA Bond Program属于补助金，因此无需偿还。 触发还款的情形：None - true grant和no repayment unless fraud at origination。 该援助以1st Lien (DPA is grant - no separate 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。

KansasDPA Bond Program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：FTHB requirement waived in IRS-designated targeted census tracts and for qualifying veterans (per federal MRB rules)。 关于信用，该项目说明：640 minimum FICO; 660 unlocks expanded DTI options; 680 required for some product/DTI combinations。 须参加购房者教育课程，由Homebuyer education required - HUD-approved counseling agencies, Framework, or eHome America online; certificate of completion must be in file before closing for first-time homebuyer borrowers.提供。 居住要求：Property must be located in Kansas in an eligible bond-coverage area 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。 First-time homebuyer required (3-year look-back) except in federally designated targeted census tracts and for qualifying veterans. Minimum 640 FICO (660/680 tiers offer expanded DTI/pricing options). Maximum 50% DTI (per loan-product overlays; 45% at lowest FICO tier). Owner-occupied primary residence. Household income at or below MRB limit ($114,360-$144,340 by HH size and area). Purchase price at or below MRB limit (top tier ~$1,201,129 in targeted areas, ~$624,481 non-targeted). Federal MRB recapture tax may apply on sale within 9 years. Must use KansasDPA-approved Participating Lender; loan must be reserved through eHousingPlus reservation portal.

KansasDPA Bond Program将家庭收入限制在$144,340。 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。

KansasDPA Bond Program将房价上限设为$1.2M。 符合条件的房屋类型包括Single-family detached, condominium, townhouse, PUD, 2-unit (1 unit owner-occupied), manufactured home on permanent foundation (per overlays)。 新建房屋符合条件。 预制房屋符合条件。

KansasDPA Bond Program在其服务群体中提到了退伍军人、现役军人、预备役人员和国民警卫队成员和遗属配偶。 在此列出仅表示项目提到了该群体，并不表示仅凭群体身份即可使申请人符合条件——其余资格规则仍然适用。

KansasDPA Bond Program服务于在Statewide，Kansas购房的购房者。 该项目针对特定区域：Federally designated targeted census tracts (per IRS) where the FTHB requirement is waived and income / purchase-price limits are higher.

KansasDPA Bond 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Loan reservation through eHousingPlus Online Lender Portal at time of rate lock; subject to bond funding availability. 70 calendar days from loan reservation to loan purchase.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。