Delta 100 Program

Delta 100 Program是面向Multiple县，Louisiana购房者的补助金。 100% LTV bond first mortgage for very-low-income FTHB in 11-parish Louisiana Mississippi Delta region. No DPA needed (zero down). No MI. Below-market rate. Persistent-poverty area program. Income capped low ($36K-$96K). The Louisiana Housing Corporation Delta 100 Program is a 100% LTV first-mortgage program designed for very-low-income homebuyers in the persistent-poverty parishes of Louisiana's Mississippi Delta region. Provides 100% financing - no down payment required, no DPA needed - with no mortgage insurance. 30-year fixed-rate first mortgage at a reduced bond rate. Eligible parishes include the federally designated Louisiana Delta region: Tensas, Madison, East Carroll, West Carroll, Concordia, Catahoula, Franklin, Morehouse, Richland, Caldwell, and La Salle. First-time homebuyer required. Income capped at very-low to low-income limits ($36,300 1-person to $96,850 large household). 资金来自State和Bond。

Delta 100 Program属于补助金，因此无需偿还。 触发还款的情形：Standard amortizing 30-year first mortgage和principal and interest payments due monthly. Balance due in full on sale, refinance, or transfer. 该援助以1st 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。

Delta 100 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：Federally designated targeted census tracts may waive FTHB requirement. 关于信用，该项目说明：640 minimum FICO; lender overlays may apply. 须参加购房者教育课程，由LHC-approved homebuyer education required (8-hour HUD-certified course or equivalent). Pre-purchase counseling at HUD-approved agency.提供。 居住要求：Property must be located in one of the eligible Louisiana Delta-region parishes: Tensas, Madison, East Carroll, West Carroll, Concordia, Catahoula, Franklin, Morehouse, Richland, Caldwell, La Salle. Must 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. First-time homebuyer required. Property must be located in a Louisiana Delta-region parish (Tensas, Madison, East Carroll, West Carroll, Concordia, Catahoula, Franklin, Morehouse, Richland, Caldwell, La Salle). Owner-occupied primary residence. 640 minimum FICO. Max 45% DTI. Income at or below Delta 100 limits ($36,300 - $96,850 by household size). 8-hour HUD-certified homebuyer education required. No reserves requirement.

Delta 100 Program将家庭收入限制在$96,850。 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。

Delta 100 Program的房价上限如下：Per LHC Delta 100 maximum acquisition cost (varies by parish; typically aligned with USDA-RD limits in same area). Verify at lhc.la.gov. 符合条件的房屋类型包括Single-family detached, condominium, townhouse, PUD. Manufactured housing per overlays. 新建房屋符合条件。 预制房屋符合条件。

Delta 100 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。

Delta 100 Program服务于在Multiple县，Louisiana购房的购房者。 该项目针对特定区域：All 11 eligible Delta parishes are federally designated persistent-poverty / targeted census tracts.

Delta 100 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Reserved through LHC's online lender portal at time of rate lock by approved participating lender. Subject to bond funding availability.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。