Lafayette First Time Home Buyer Down Payment and Closing Costs Assistance Program

Lafayette First Time Home Buyer Down Payment and Closing Costs Assistance Program是面向Lafayette，Louisiana购房者的需偿还的第二贷款，由Lafayette Consolidated Government, Community Development Department, Housing Loans Section管理。 Lafayette Consolidated Government offers a First Time Home Buyer Down Payment and Closing Costs Assistance Program providing a 2% interest loan of up to $11,000 toward down payment and/or closing costs for qualified, income-eligible first-time buyers using an affordable first mortgage from a private lender. The loan is secured by a second mortgage with a 15-year (180-month) term ($70.79/month if the full amount is taken) and the balance is due in full if owner-occupancy ceases before the term ends. No prepayment penalty. Up to $11,000 toward down payment and/or closing costs. Low 2% interest rate. 15-year (180-month) term. No prepayment penalty. Pairs with an affordable first mortgage. 资金来自HUD HOME Investment Partnerships Program (HOME), administered by LCG Community Development Department.

Lafayette First Time Home Buyer Down Payment and Closing Costs Assistance Program提供最高$11,000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Lafayette Consolidated Government, Community Development Department, Housing Loans Section决定。

Lafayette First Time Home Buyer Down Payment and Closing Costs Assistance Program是需偿还的第二贷款，按Lafayette Consolidated Government, Community Development Department, Housing Loans Section设定的条款偿还。 触发还款的情形：Repaid in monthly installments over a 15-year (180-month) term; full $11,000 = $70.79/month. Outstanding balance due in full if the borrower ceases to occupy the home as principal residence before the term ends. 该援助以Second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。

Lafayette First Time Home Buyer Down Payment and Closing Costs 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：Not owned a home as a primary residence in the past 3 years; displaced homemakers may also qualify. 关于信用，该项目说明：No specific minimum published; must meet the participating lender's and insurer's requirements for the primary mortgage. 须参加购房者教育课程，由LCG Home Ownership Training (HOT) Course via the Community Development Department Human Services Division, Jessie Livingston Taylor Center, 111 Shirley Picard Dr., Lafayette LA 70501; (337) 291-5450.提供。 First-time buyer (no ownership in last 3 years) or displaced homemaker; current signed purchase agreement; complete LCG HOT homebuyer training before closing. Income limits: April 2021 brochure shows older figures; current FY2025 page (4-person $67,750) used here.

Lafayette First Time Home Buyer Down Payment and Closing Costs 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 must not exceed HUD Low-Income (80% AMI) for Lafayette. FY2025: 1 $47,450; 2 $54,200; 3 $61,000; 4 $67,750; 5 $73,200; 6 $78,600; 7 $84,050; 8 $89,450. 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。

Lafayette First Time Home Buyer Down Payment and Closing Costs Assistance Program可用于Single Family、Townhouse和Condo。 新建房屋符合条件。 预制房屋不符合条件。

Lafayette First Time Home Buyer Down Payment and Closing Costs Assistance Program服务于在Lafayette，Louisiana购房的购房者。

Lafayette First Time Home Buyer Down Payment and Closing Costs Assistance Program的申请通过Lafayette Consolidated Government, Community Development Department, Housing Loans Section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。