CAFA Gold 100

CAFA Gold 100是面向Multiple县，Louisiana购房者的可免除贷款。 CAFA's 100% LTV TBA program: FHA/VA/USDA first + 5% forgivable DPA achieving full financing. 620 FICO. No FTHB requirement. Non-bond, no recapture tax. 9-parish East Baton Rouge service area. CAFA Gold 100 is a 100% LTV TBA (To-Be-Announced) homebuyer program providing a 30-year fixed-rate FHA, VA, or USDA-RD first mortgage paired with 5% DPA structured as a forgivable second mortgage. The DPA covers down payment, closing costs, and prepaid items, achieving effective 100% financing. The DPA second is 0% interest, requires no monthly payment, and is forgiven over 10 years of owner-occupancy. 620 minimum FICO. Open to first-time AND repeat home buyers (no FTHB requirement). Non-bond program - no MRB recapture tax. 资金来自State和TBA。

CAFA Gold 100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 Gold 100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：620 minimum FICO. 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. Property must be in CAFA's 9-parish service area. 620 minimum FICO. Maximum 50% DTI with AUS approval. Owner-occupied primary residence. Income at or below CAFA TBA limits ($46,320 1-2p / $122,640 3+p). FHA/VA/USDA only (no conventional under Gold 100). Homebuyer education required.

CAFA Gold 100将家庭收入限制在$122,640。 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 Gold 100的房价上限如下：Per first-mortgage product loan limits (FHA county loan limits, USDA, VA). No CAFA-specific purchase price cap on Gold 100. 符合条件的房屋类型包括Single-family detached, condominium, townhouse, PUD, manufactured home on permanent foundation (per overlays). 新建房屋符合条件。 预制房屋符合条件。

CAFA Gold 100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 Gold 100服务于在Multiple县，Louisiana购房的购房者。

CAFA Gold 100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。