CAFA First Home

CAFA First Home是面向Multiple县，Louisiana购房者的延期第二贷款。 CAFA's bond-funded MRB program: below-market first mortgage + 4-5% DPA tiered by FICO (640/660/680+). Forgivable second mortgage over 10 years. First-time homebuyer required (waived in targeted areas). 9-parish service area centered on East Baton Rouge. CAFA First Home is the Capital Area Finance Authority's flagship Mortgage Revenue Bond (MRB) homebuyer program. It provides a below-market 30-year fixed-rate first mortgage (FHA, USDA-RD, VA, or HFA-style conventional) plus down payment / closing cost assistance structured as a deferred / forgivable second mortgage. DPA percentage is tiered by borrower FICO: 4% at 640 FICO, 4.5% at 660 FICO, and 5% at 680+ FICO of the first-mortgage loan amount. The DPA second is 0% interest, requires no monthly payment, and is forgiven over 10 years of owner-occupancy. Funds may be used for down payment, customary closing costs, or prepaid items. First-time homebuyer required (waived in federally targeted census tracts). 资金来自State和Bond。

CAFA First Home在10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：Forgiven over 10 years of owner-occupancy (1/10 per year). Unforgiven balance due on sale, refinance, transfer, or non-owner-occupancy before 10 years. 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。

CAFA First Home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：Federally designated targeted census tracts waive the first-time-homebuyer requirement. 关于信用，该项目说明：Tiered FICO: 640 (4% DPA), 660 (4.5% DPA), 680+ (5% DPA). Lender overlays may apply. 须参加购房者教育课程，由HUD-approved housing counseling agency or eHome America online homebuyer education required prior to closing.提供。 居住要求：Property must be located within CAFA's 9-parish service area (East Baton Rouge, West Baton Rouge, Ascension, Iberville, Pointe Coupee, East Feliciana, West Feliciana, Livingston, St. Helena) and be 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 (no ownership interest in a primary residence in past 3 years), waived in federally designated targeted census tracts. Property must be in CAFA's 9-parish service area: East Baton Rouge, West Baton Rouge, Ascension, Iberville, Pointe Coupee, East Feliciana, West Feliciana, Livingston, or St. Helena. Maximum 50% DTI with AUS approval. Owner-occupied primary residence. Income at or below MRB limits ($46,320 1-2p / $125,020 3+p targeted; non-targeted lower). Maximum purchase price $481,176 (non-targeted) / $588,104 (targeted). MRB federal recapture tax may apply on sale within 9 years. Homebuyer education required.

CAFA First Home将家庭收入限制在$125,020。 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。

CAFA First Home将房价上限设为$588,104。 符合条件的房屋类型包括Single-family detached, condominium, townhouse, PUD, manufactured home on permanent foundation (per overlays). New construction and existing properties eligible. 新建房屋符合条件。 预制房屋符合条件。

CAFA First Home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。

CAFA First Home服务于在Multiple县，Louisiana购房的购房者。 该项目针对特定区域：Federally designated targeted census tracts (per IRS) where MRB first-time-homebuyer requirement is waived and higher income/purchase price limits apply.

CAFA First 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Reserved through CAFA's online lender portal at time of rate lock by approved participating lender.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。