Down Payment and Closing Cost Assistance Program

Down Payment and Closing Cost Assistance Program是面向Wellfleet，Massachusetts购房者的延期第二贷款。 Wellfleet's Down Payment and Closing Cost Assistance Program is a CPA-funded 0% deferred-payment second mortgage of $20,000-$50,000 for first-time and income-eligible homebuyers purchasing in Wellfleet. The Town also operates a separate 'Buy Down' program providing larger subsidies tied to deed-restricted units. The DPA program received supplemental funding via the FY26 MA Seasonal Communities grant program ($132,426). 0% interest deferred-payment second-mortgage loan of $20,000 to $50,000 for qualified moderate-income first-time homebuyers purchasing in the Town of Wellfleet. Funded by the Town through the Community Preservation Act (CPA) Community Housing reserve and FY26 Seasonal Communities grant ($132,426). Structured as a recorded subordinate lien repayable upon sale, transfer, or refinance. 资金来自Local Government、CPA、State和Seasonal Communities Grant。

Down Payment and Closing Cost Assistance Program为延期还款，在房屋出售、再融资或第一抵押贷款还清之前无需付款。 触发还款的情形：Deferred 0% second mortgage和repayable upon sale, refinance with cash-out, transfer of title, or loss of primary-residence status. 该援助以2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。

Down Payment and Closing Cost 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：First-time homebuyer (no ownership in prior 3 years). 关于信用，该项目说明：Determined by first-mortgage lender. 须参加购房者教育课程，由HUD-approved homebuyer counseling (Housing Assistance Corporation Cape Cod; HAC); 8-hour pre-purchase certificate required. Town reimburses Wellfleet residents for FTHB course registration.提供。 居住要求：Property must be in Town of Wellfleet and primary residence; preference for Wellfleet residents/year-round workforce. 公民身份或移民身份：U.S. citizen or eligible non-citizen per municipal rules. First-time homebuyer; income-eligible moderate-income household (typically up to 100% AMI Barnstable Town MSA, ~$62,510 1-person to ~$103,588 8-person FY26); property must be in Wellfleet and primary residence; minimum 1.5% buyer contribution from own funds; mortgage commitment from a recognized commercial lender; Wellfleet residency or strong year-round residency intent preferred; complete HUD-approved homebuyer education.

Down Payment and Closing Cost Assistance Program将家庭收入限制在地区收入中位数的100%，该数值因县和家庭人数而异。 Income limits set by Town for moderate-income/CPA-eligible households: approx $62,510 1-person to $103,588 8-person (FY26). 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。

Down Payment and Closing Cost Assistance Program的房价上限如下：No fixed cap; lender debt-affordability determines (Town reviews reasonableness). 符合条件的房屋类型包括Single-family detached、Townhouse和Condominium。 新建房屋符合条件。 预制房屋不符合条件。

Down Payment and Closing Cost Assistance Program服务于在Wellfleet，Massachusetts购房的购房者。

Down Payment and Closing Cost Assistance 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Application accepted by Wellfleet Housing; awards subject to 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。