Home Buyers Assistance Program Participation Initiative (HAPPI)

Home Buyers Assistance Program Participation Initiative (HAPPI)是面向Shreveport，Louisiana购房者的可免除贷款。 City of Shreveport HUD HOME/CDBG-funded forgivable second mortgage for first-time homebuyers up to 80% AMI. Up to 20% of sales price or appraised value. Targeted Neighborhood enhanced caps: $10K existing property / $20K new construction. Both applicant and co-applicant must complete HUD-certified homebuyer education. No manufactured housing, no HUD/VA repos. City of Shreveport's Home Buyers Assistance Program Participation Initiative (HAPPI) provides down payment, buy-down, and closing cost assistance through approved private lenders. Maximum assistance is up to 20% of sales price OR appraised value (whichever is less), depending on percentage of area median income. Tiered amounts in 19 designated Targeted Neighborhoods: up to $10,000 for purchase of an existing property in a Targeted Neighborhood. up to $20,000 for purchase of NEW CONSTRUCTION in a Targeted Neighborhood. Structured as a HUD HOME / CDBG-funded forgivable second mortgage. 资金来自Federal、HOME、CDBG和City。

Home Buyers Assistance Program Participation Initiative (HAPPI)按项目规定，提供相当于房价20%的援助。 购房者自付部分：Per first-mortgage product (3.5% FHA, 0% VA, 3-5% conventional). 该项目可与其他援助结合使用，但须遵守各项目的规定。 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管理该项目的机构决定。

Home Buyers Assistance Program Participation Initiative (HAPPI)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：HUD HOME-funded forgivable second mortgage typical structure. Affordability period per 24 CFR 92.254: 5 years (assistance < $15K)、10 years ($15K-$40K)和15 years (>$40K). Recapture limited to net proceeds if sold/transferred/vacated during affordability period. 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。

Home Buyers Assistance Program Participation Initiative (HAPPI)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：First-time homebuyer = no homeownership in past 3 years. 关于信用，该项目说明：No specific City-imposed minimum FICO; applicants must have sufficient credit to qualify with a HAPPI-approved lender. Lender overlays apply. 须参加购房者教育课程，由Approved Homebuyer Education Providers list (2023 directory at shreveportla.gov/DocumentCenter/View/21989). Education provider must be a non-profit and/or HUD-Designated Counseling Agency. Both applicant and co-applicant must complete homebuyer education classes. Catholic Charities of North Louisiana (CCNLA) provides FTHB classes.提供。 居住要求：Property must be located within City of Shreveport limits. Borrower must occupy as primary residence for HUD HOME affordability period. 公民身份或移民身份：Per HUD HOME federal eligibility - U.S. citizen or qualifying non-citizen. First-time homebuyer required (no homeownership in past 3 years). Annual household income at or below 80% AMI per HUD for City of Shreveport (2024-2025 1p=~$36,700; 8p=~$69,200 per seed range). Completed approved homebuyer education class (both applicant and co-applicant). Sufficient credit to qualify with one of the City's HAPPI Approved Lenders. Maximum assistance up to 20% of sales price or appraised value (lesser), tiered by AMI %. NO HUD-, VA-, or repossessed properties or manufactured housing eligible. Properties eligible for HUD mortgage insurance must meet minimum property standards; non-insured properties must meet HQS. 19 Targeted Neighborhoods receive enhanced caps (up to $10K existing / $20K new construction).

Home Buyers Assistance Program Participation Initiative (HAPPI)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。 Annual household income at or below 80% AMI per HUD for City of Shreveport / Caddo Parish (2024-2025 1p=~$36,700; 8p=~$69,200 per seed range). Assistance amount tiered by exact AMI percentage. 该限制适用于家庭总收入，而不仅是借款人的收入。 该项目列出的最大家庭人数为8。 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。

Home Buyers Assistance Program Participation Initiative (HAPPI)的房价上限如下：No explicit maximum purchase price; assistance capped at 20% of sales price OR appraised value (lesser). Targeted Neighborhood enhanced caps: $10K (existing) / $20K (new construction). 符合条件的房屋类型包括Single-family detached, condominium, townhouse within City of Shreveport. NO manufactured housing. NO HUD-, VA-, or repossessed properties. 新建房屋符合条件。 预制房屋不符合条件。

Home Buyers Assistance Program Participation Initiative (HAPPI)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。

Home Buyers Assistance Program Participation Initiative (HAPPI)服务于在Shreveport，Louisiana购房的购房者。 该项目针对特定区域：19 designated Targeted Neighborhoods within City of Shreveport receive enhanced HAPPI caps: up to $10,000 existing property / $20,000 new construction. Designated by City Community Development Department; maps at shreveportla.gov/DocumentCenter/Index/361.

Home Buyers Assistance Program Participation Initiative (HAPPI)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Apply through HAPPI Approved Lender, who coordinates with City of Shreveport Department of Community Development. Subject to HOME/CDBG annual allocation.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。