City of Owensboro Down Payment Assistance Program

City of Owensboro Down Payment Assistance Program是面向Owensboro，Kentucky购房者的可免除贷款，由City of Owensboro (Community Development / Northwest NRSA)管理。 The City of Owensboro DPA helps low- and moderate-income residents by providing up to 10% of the home's sales price toward down payment and/or closing costs. Assistance is a deferred 'soft second' loan with no current interest or principal payments, secured by a second lien, forgiven after the affordability period if guidelines are met. The home must be in the City of Owensboro and occupied as the buyer's primary residence; the loan becomes due upon sale, transfer, refinance, default, or loss of owner-occupancy. Up to 10% of sales price. 0% interest deferred 'soft second' loan. No monthly payments. Forgiven after affordability period. No prepayment penalty. Usable for down payment, closing costs, and rate buy-down. 资金来自Federal HUD funds (HOME / CDBG) administered by the City of Owensboro。

City of Owensboro Down Payment Assistance Program按项目规定，提供相当于房价10%的援助。 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City of Owensboro (Community Development / Northwest NRSA)决定。

City of Owensboro Down Payment Assistance Program是可免除贷款，满足项目条件后余额即被免除。 触发还款的情形：Deferred 'soft second' forgiven after the affordability period. Due upon sale, transfer, conveyance; failure to occupy as principal residence; default; or refinance of the first mortgage. Generally not due on death/divorce when remaining spouse occupies. 该援助以Second position (subordinate lien recorded with Daviess County Clerk)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。

City of Owensboro Down Payment Assistance 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：Must not have owned a principal residence within 3 years of application, and may not own other residential property. 关于信用，该项目说明：No minimum credit score; applicant must have satisfactory credit and job/income stability and secure pre-approval of a 30-year fixed-rate first mortgage. 须参加购房者教育课程，由Must complete a Homebuyer Education Training course (provider not specified)提供。 居住要求：Home must be located within the City of Owensboro corporate boundary。 First-time buyer (no principal residence in 3 years). 30-year fixed-rate first mortgage from approved lender required (no subprime/balloon/ARM/neg-am; escrow required). Complete Homebuyer Education before applying. First mortgage + DPA <=100% of appraised value. Home must pass city + buyer-paid certified inspection; repairs >$10,000 disqualify unless seller completes them. Pre-1978 homes: lead-paint inspection. GAP: provider phone is general City Community Development line.

City of Owensboro 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。 Household income at or below 80% of HUD AMI for Owensboro/Daviess County. 2025: 1p $48,300; 2 $55,200; 3 $62,100; 4 $68,950; 5 $74,500; 6 $80,000; 7 $85,500; 8 $91,050. 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。

City of Owensboro Down Payment Assistance Program将房价上限设为$209,000。 符合条件的房屋类型包括Single Family、Townhouse、Condo和Manufactured。 新建房屋符合条件。 预制房屋符合条件。

City of Owensboro Down Payment Assistance Program服务于在Owensboro，Kentucky购房的购房者。

City of Owensboro Down Payment Assistance Program的申请通过City of Owensboro (Community Development / Northwest NRSA)办理，该机构在其网站上公布现行条款和申请步骤。 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。